VOO vs ZMUN
Vanguard S&P 500 ETF vs F/m Ultrashort Tax Free Municipal ETF
Quick Verdict
VOO has a lower expense ratio. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | VOO | ZMUN | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.30% | |
| AUM | $979.0B | $35M | |
| Dividend Yield | 1.09% | 2.60% | |
| Holdings | 509 | 98 | |
| YTD Return | +14.48% | +2.15% | |
| 1Y Return | +22.02% | - | |
| 3Y Return (annualized) | +21.80% | - | |
| 5Y Return (annualized) | +13.36% | - | |
| Volatility (annualized) | 14.2% | - | |
| Max Drawdown | -34.3% | -0.1% | |
| Fund Family | Vanguard (US) | F-m investments | |
| Category | Equity | Tax Preferred | |
| Inception | Sep 7, 2010 | Sep 30, 2025 |
VOO vs ZMUN Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and F/m Ultrashort Tax Free Municipal ETF (ZMUN) is a ETF from F-m investments. Year to date, VOO is up 14.48% versus a gain of 2.15% for ZMUN.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -34.3% for VOO and -0.1% for ZMUN. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
VOO charges 0.03% per year while ZMUN charges 0.30%. On a $10,000 position that is $3 vs $30 annually, a gap of $27 per year that compounds over a long holding period. On income, VOO currently yields 1.09% against 2.60% for ZMUN.
Holdings Overlap
VOO and ZMUN share 0 holdings out of 519 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 ZMUN?
VOO has an expense ratio of 0.03% while ZMUN charges 0.30%. VOO is the cheaper option. On a $10,000 investment, that is $27 per year of difference.
What is the holdings overlap between VOO and ZMUN?
VOO and ZMUN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 519 unique securities.
Which pays a higher dividend, VOO or ZMUN?
VOO yields 1.09% while ZMUN yields 2.60%, so ZMUN currently pays the higher dividend yield.
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