VOO vs XBOC
Vanguard S&P 500 ETF vs Innovator US Equity Accelerated 9 Buffer ETF - October
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | VOO | XBOC | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.79% | |
| AUM | $979.0B | $65M | |
| Dividend Yield | 1.09% | 0.00% | |
| Holdings | 509 | 7 | |
| YTD Return | +14.48% | +7.64% | |
| 1Y Return | +22.02% | +11.43% | |
| 3Y Return (annualized) | +21.80% | +11.70% | |
| 5Y Return (annualized) | +13.36% | - | |
| Volatility (annualized) | 14.2% | 8.3% | |
| Max Drawdown | -34.3% | -13.3% | |
| Fund Family | Vanguard (US) | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | Sep 7, 2010 | Oct 1, 2021 |
VOO vs XBOC Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and Innovator US Equity Accelerated 9 Buffer ETF - October (XBOC) is a ETF from Innovator ETFs Trust. Over the past year VOO returned +22.02% while XBOC returned +11.43%. Year to date, VOO is up 14.48% versus a gain of 7.64% for XBOC.
Over three years, VOO compounded at +21.80% per year against +11.70% for XBOC. Across the full 5-year window we track, VOO has the edge at +13.61% annualized vs +8.58%. 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 8.3% for XBOC. 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 -34.3% for VOO and -13.3% for XBOC. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
VOO charges 0.03% per year while XBOC charges 0.79%. On a $10,000 position that is $3 vs $79 annually, a gap of $76 per year that compounds over a long holding period. On income, VOO currently yields 1.09% against 0.00% for XBOC.
Frequently Asked Questions
Which is cheaper, VOO or XBOC?
VOO has an expense ratio of 0.03% while XBOC charges 0.79%. VOO is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, VOO or XBOC?
Over the past year VOO returned +22.02% vs +11.43% for XBOC, so VOO leads on 1-year performance. Over the longest common window we track (5 years), VOO annualized +13.61% vs +8.58% for XBOC. Past performance does not guarantee future results.
Which is riskier, VOO or XBOC?
VOO has been the more volatile fund at 14.2% annualized versus 8.3% for XBOC. Worst drawdown: VOO -34.3% vs XBOC -13.3%.
Should I hold both VOO and XBOC?
VOO and XBOC have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, VOO or XBOC?
VOO yields 1.09% while XBOC yields 0.00%, so VOO currently pays the higher dividend yield.
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