VOO vs XFIV
Vanguard S&P 500 ETF vs BondBloxx Bloomberg Five Year Target Duration US Treasury ETF
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 | XFIV | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.05% | |
| AUM | $997.4B | $347M | |
| Dividend Yield | 1.08% | 3.85% | |
| Holdings | 509 | 51 | |
| YTD Return | +12.68% | -0.52% | |
| 1Y Return | +21.87% | +1.58% | |
| 3Y Return (annualized) | +22.06% | +4.18% | |
| 5Y Return (annualized) | +12.95% | - | |
| Volatility (annualized) | 14.1% | 5.0% | |
| Max Drawdown | -34.3% | -6.4% | |
| Fund Family | Vanguard (US) | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | Sep 7, 2010 | Sep 13, 2022 |
VOO vs XFIV Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and BondBloxx Bloomberg Five Year Target Duration US Treasury ETF (XFIV) is a ETF from BondBloxx. Over the past year VOO returned +21.87% while XFIV returned +1.58%. Year to date, VOO is up 12.68% versus a loss of 0.52% for XFIV.
Over three years, VOO compounded at +22.06% per year against +4.18% for XFIV. Across the full 4-year window we track, VOO has the edge at +13.47% annualized vs +2.93%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 5.0% for XFIV. 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 -6.4% for XFIV. 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 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VOO charges 0.03% per year while XFIV charges 0.05%. On a $10,000 position that is $3 vs $5 annually, a gap of $2 per year that compounds over a long holding period. On income, VOO currently yields 1.08% against 3.85% for XFIV.
Holdings Overlap
VOO and XFIV share 0 holdings out of 536 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VOO or XFIV?
VOO has an expense ratio of 0.03% while XFIV charges 0.05%. VOO is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, VOO or XFIV?
Over the past year VOO returned +21.87% vs +1.58% for XFIV, so VOO leads on 1-year performance. Over the longest common window we track (4 years), VOO annualized +13.47% vs +2.93% for XFIV. Past performance does not guarantee future results.
Which is riskier, VOO or XFIV?
VOO has been the more volatile fund at 14.1% annualized versus 5.0% for XFIV. Worst drawdown: VOO -34.3% vs XFIV -6.4%.
Should I hold both VOO and XFIV?
VOO and XFIV have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VOO and XFIV?
VOO and XFIV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 536 unique securities.
Which pays a higher dividend, VOO or XFIV?
VOO yields 1.08% while XFIV yields 3.85%, so XFIV currently pays the higher dividend yield.
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