UTWO vs VOO
F/m US Treasury 2 Year Note ETF vs Vanguard S&P 500 ETF
Which is better, UTWO or VOO?
Short Term High Quality against Large Cap Blend.
VOO has a lower expense ratio. VOO led over 1Y, 3Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | UTWO | VOO |
|---|---|---|
| Expense Ratio | 0.15% | 0.03%Best |
| AUM | $491M | $997.4B |
| Dividend Yield | 3.89% | 1.04% |
| Holdings | 4 | 509 |
| YTD Return | +0.37% | +12.25%Best |
| 1Y Return | +1.47% | +17.03%Best |
| 3Y Return (annualized) | +3.82% | +21.25%Best |
| 5Y Return (annualized) | - | +13.08% |
| Volatility (annualized) | 1.9%Best | 14.2% |
| Max Drawdown | -2.0%Best | -18.7% |
| $10,000 over 4.1 years | $11,194 | $19,595Best |
| Fund Family | US Benchmark Series | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Short Term High Quality | Large Cap Blend |
| Inception | Aug 8, 2022 | Sep 7, 2010 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.1 years row, are measured over the window both funds cover: Aug 9, 2022 to Sep 17, 2026 (4.1 years).
UTWO vs VOO growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.1 years both funds cover.
UTWO vs VOO Performance
F/m US Treasury 2 Year Note ETF (UTWO) is an ETF from US Benchmark Series and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year UTWO returned +1.47% while VOO returned +17.03%. Year to date, UTWO is up 0.37% versus a gain of 12.25% for VOO.
Over three years, UTWO compounded at +3.82% per year against +21.25% for VOO. Across the full 4-year window we track, VOO has the edge at +17.83% annualized vs +2.79%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 1.9% for UTWO. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -2.0% for UTWO and -18.7% for VOO. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.30. They move together some of the time, and apart the rest.
Fees and Cost Over Time
UTWO charges 0.15% per year while VOO charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, UTWO currently yields 3.89% against 1.04% for VOO.
You are not choosing between two funds in isolation.
Whichever of UTWO and VOO you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, UTWO or VOO?
UTWO has an expense ratio of 0.15% while VOO charges 0.03%. VOO is the cheaper option, by $12 a year on a $10,000 investment.
Which performed better, UTWO or VOO?
Over the past year UTWO returned +1.47% vs +17.03% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (4 years), UTWO annualized +2.79% vs +17.83% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, UTWO or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 1.9% for UTWO. Worst drawdown: UTWO -2.0% vs VOO -18.7%.
Should I hold both UTWO and VOO?
UTWO and VOO have a monthly-return correlation of 0.30, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, UTWO or VOO?
UTWO yields 3.89% while VOO yields 1.04%, so UTWO currently pays the higher dividend yield.
Is VOO better than UTWO?
VOO has a lower expense ratio. VOO led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.