VOO vs ZTOP
Vanguard S&P 500 ETF vs F/m High Yield 100 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 | ZTOP | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.39% | |
| AUM | $997.4B | $16M | |
| Dividend Yield | 1.08% | 6.30% | |
| Holdings | 509 | 102 | |
| YTD Return | +12.68% | +1.79% | |
| 1Y Return | +21.87% | +4.78% | |
| 3Y Return (annualized) | +22.06% | - | |
| 5Y Return (annualized) | +12.95% | - | |
| Volatility (annualized) | 14.1% | 2.8% | |
| Max Drawdown | -34.3% | -2.5% | |
| Fund Family | Vanguard (US) | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | Sep 7, 2010 | Apr 14, 2025 |
VOO vs ZTOP Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and F/m High Yield 100 ETF (ZTOP) is a ETF from F-m investments. Over the past year VOO returned +21.87% while ZTOP returned +4.78%. Year to date, VOO is up 12.68% versus a gain of 1.79% for ZTOP.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 2.8% for ZTOP. 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 -2.5% for ZTOP. 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VOO charges 0.03% per year while ZTOP charges 0.39%. On a $10,000 position that is $3 vs $39 annually, a gap of $36 per year that compounds over a long holding period. On income, VOO currently yields 1.08% against 6.30% for ZTOP.
Holdings Overlap
VOO and ZTOP share 0 holdings out of 582 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 ZTOP?
VOO has an expense ratio of 0.03% while ZTOP charges 0.39%. VOO is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, VOO or ZTOP?
Over the past year VOO returned +21.87% vs +4.78% for ZTOP, so VOO leads on 1-year performance. Over the longest common window we track (1 years), VOO annualized +13.47% vs +7.81% for ZTOP. Past performance does not guarantee future results.
Which is riskier, VOO or ZTOP?
VOO has been the more volatile fund at 14.1% annualized versus 2.8% for ZTOP. Worst drawdown: VOO -34.3% vs ZTOP -2.5%.
Should I hold both VOO and ZTOP?
VOO and ZTOP have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VOO and ZTOP?
VOO and ZTOP share 0 common holdings with a 0.0% weight overlap. Combined, they hold 582 unique securities.
Which pays a higher dividend, VOO or ZTOP?
VOO yields 1.08% while ZTOP yields 6.30%, so ZTOP currently pays the higher dividend yield.
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