VOO vs XPAY
Vanguard S&P 500 ETF vs Roundhill S&P 500 Target 20 Managed Distribution ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | VOO | XPAY | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.49% | |
| AUM | $979.0B | $160M | |
| Dividend Yield | 1.09% | 12.78% | |
| Holdings | 509 | 18 | |
| YTD Return | +13.79% | +13.38% | |
| 1Y Return | +23.01% | +22.31% | |
| 3Y Return (annualized) | +21.78% | - | |
| 5Y Return (annualized) | +13.39% | - | |
| Volatility (annualized) | 14.1% | 13.4% | |
| Max Drawdown | -34.3% | -18.2% | |
| Fund Family | Vanguard (US) | Roundhill Investments | |
| Category | Equity | Equity | |
| Inception | Sep 7, 2010 | Oct 31, 2024 |
VOO vs XPAY Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and Roundhill S&P 500 Target 20 Managed Distribution ETF (XPAY) is a ETF from Roundhill Investments. Over the past year VOO returned +23.01% while XPAY returned +22.31%. Year to date, VOO is up 13.79% versus a gain of 13.38% for XPAY.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 13.4% for XPAY. 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 -18.2% for XPAY. 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 1.00. 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 XPAY charges 0.49%. On a $10,000 position that is $3 vs $49 annually, a gap of $46 per year that compounds over a long holding period. On income, VOO currently yields 1.09% against 12.78% for XPAY.
Holdings Overlap
VOO and XPAY share 0 holdings out of 506 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 XPAY?
VOO has an expense ratio of 0.03% while XPAY charges 0.49%. VOO is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
Which performed better, VOO or XPAY?
Over the past year VOO returned +23.01% vs +22.31% for XPAY, so VOO leads on 1-year performance. Over the longest common window we track (2 years), VOO annualized +13.57% vs +19.38% for XPAY. Past performance does not guarantee future results.
Which is riskier, VOO or XPAY?
VOO has been the more volatile fund at 14.1% annualized versus 13.4% for XPAY. Worst drawdown: VOO -34.3% vs XPAY -18.2%.
Should I hold both VOO and XPAY?
VOO and XPAY have a monthly-return correlation of 1.00, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between VOO and XPAY?
VOO and XPAY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 506 unique securities.
Which pays a higher dividend, VOO or XPAY?
VOO yields 1.09% while XPAY yields 12.78%, so XPAY currently pays the higher dividend yield.
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