VOO vs XRLX
Vanguard S&P 500 ETF vs FundX Conservative 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 | XRLX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.20% | |
| AUM | $997.4B | $50M | |
| Dividend Yield | 1.08% | 2.65% | |
| Holdings | 509 | 22 | |
| YTD Return | +12.68% | +6.41% | |
| 1Y Return | +21.87% | +11.53% | |
| 3Y Return (annualized) | +22.06% | - | |
| 5Y Return (annualized) | +12.95% | - | |
| Volatility (annualized) | 14.1% | 9.0% | |
| Max Drawdown | -34.3% | -15.3% | |
| Fund Family | Vanguard (US) | Fund X | |
| Category | Equity | Allocation/Balanced | |
| Inception | Sep 7, 2010 | Oct 10, 2023 |
VOO vs XRLX Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and FundX Conservative ETF (XRLX) is a ETF from Fund X. Over the past year VOO returned +21.87% while XRLX returned +11.53%. Year to date, VOO is up 12.68% versus a gain of 6.41% for XRLX.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 9.0% for XRLX. 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 -15.3% for XRLX. 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 0.96. 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 XRLX charges 1.20%. On a $10,000 position that is $3 vs $120 annually, a gap of $117 per year that compounds over a long holding period. On income, VOO currently yields 1.08% against 2.65% for XRLX.
Holdings Overlap
VOO and XRLX share 0 holdings out of 525 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 XRLX?
VOO has an expense ratio of 0.03% while XRLX charges 1.20%. VOO is the cheaper option. On a $10,000 investment, that is $117 per year of difference.
Which performed better, VOO or XRLX?
Over the past year VOO returned +21.87% vs +11.53% for XRLX, so VOO leads on 1-year performance. Over the longest common window we track (3 years), VOO annualized +13.47% vs +13.78% for XRLX. Past performance does not guarantee future results.
Which is riskier, VOO or XRLX?
VOO has been the more volatile fund at 14.1% annualized versus 9.0% for XRLX. Worst drawdown: VOO -34.3% vs XRLX -15.3%.
Should I hold both VOO and XRLX?
VOO and XRLX have a monthly-return correlation of 0.96, 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 XRLX?
VOO and XRLX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 525 unique securities.
Which pays a higher dividend, VOO or XRLX?
VOO yields 1.08% while XRLX yields 2.65%, so XRLX currently pays the higher dividend yield.
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