VOO vs ZTEN
Vanguard S&P 500 ETF vs F/m 10-Year Investment Grade Corporate Bond 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 | ZTEN | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.15% | |
| AUM | $997.4B | $30M | |
| Dividend Yield | 1.08% | 5.58% | |
| Holdings | 509 | 264 | |
| YTD Return | +12.68% | -0.71% | |
| 1Y Return | +21.87% | +2.69% | |
| 3Y Return (annualized) | +22.06% | - | |
| 5Y Return (annualized) | +12.95% | - | |
| Volatility (annualized) | 14.1% | 5.3% | |
| Max Drawdown | -34.3% | -5.4% | |
| Fund Family | Vanguard (US) | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | Sep 7, 2010 | Jan 10, 2024 |
VOO vs ZTEN Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and F/m 10-Year Investment Grade Corporate Bond ETF (ZTEN) is a ETF from F-m investments. Over the past year VOO returned +21.87% while ZTEN returned +2.69%. Year to date, VOO is up 12.68% versus a loss of 0.71% for ZTEN.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 5.3% for ZTEN. 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 -5.4% for ZTEN. 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VOO charges 0.03% per year while ZTEN charges 0.15%. On a $10,000 position that is $3 vs $15 annually, a gap of $12 per year that compounds over a long holding period. On income, VOO currently yields 1.08% against 5.58% for ZTEN.
Holdings Overlap
VOO and ZTEN share 0 holdings out of 550 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 ZTEN?
VOO has an expense ratio of 0.03% while ZTEN charges 0.15%. VOO is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, VOO or ZTEN?
Over the past year VOO returned +21.87% vs +2.69% for ZTEN, so VOO leads on 1-year performance. Over the longest common window we track (3 years), VOO annualized +13.47% vs +4.42% for ZTEN. Past performance does not guarantee future results.
Which is riskier, VOO or ZTEN?
VOO has been the more volatile fund at 14.1% annualized versus 5.3% for ZTEN. Worst drawdown: VOO -34.3% vs ZTEN -5.4%.
Should I hold both VOO and ZTEN?
VOO and ZTEN have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VOO and ZTEN?
VOO and ZTEN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 550 unique securities.
Which pays a higher dividend, VOO or ZTEN?
VOO yields 1.08% while ZTEN yields 5.58%, so ZTEN currently pays the higher dividend yield.
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