ACLC vs VOO
ACLC vs VOO
American Century Large Cap Equity ETF vs Vanguard S&P 500 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 | ACLC | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $305M | $979.0B | |
| Dividend Yield | 0.54% | 1.09% | |
| Holdings | 100 | 509 | |
| YTD Return | +11.91% | +13.80% | |
| 1Y Return | +20.09% | +23.71% | |
| 3Y Return (annualized) | +17.02% | +21.50% | |
| 5Y Return (annualized) | +10.50% | +13.44% | |
| Volatility (annualized) | 16.1% | 14.1% | |
| Max Drawdown | -26.4% | -34.3% | |
| Fund Family | American Century Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 15, 2020 | Sep 7, 2010 |
ACLC vs VOO Performance
American Century Large Cap Equity ETF (ACLC) is a ETF from American Century Investments and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year ACLC returned +20.09% while VOO returned +23.71%. Year to date, ACLC is up 11.91% versus a gain of 13.80% for VOO.
Over three years, ACLC compounded at +17.02% per year against +21.50% for VOO; over five years the annualized figures are +10.50% and +13.44% respectively. Across the full 6-year window we track, ACLC has the edge at +14.55% annualized vs +13.58%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ACLC has been the more volatile fund, with annualized monthly volatility of 16.1% compared with 14.1% for VOO. 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 -26.4% for ACLC and -34.3% for VOO. 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ACLC charges 0.39% per year while VOO charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, ACLC currently yields 0.54% against 1.09% for VOO.
Holdings Overlap
ACLC and VOO share 92 holdings out of 513 unique holdings combined, representing a 54.3% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in ACLC | Weight in VOO | Difference |
|---|---|---|---|
| NVDA | 8.10% | 7.51% | 0.59% |
| AAPL | 4.75% | 6.59% | 1.84% |
| MSFT | 5.54% | 4.30% | 1.24% |
| GOOGL | Pro | Pro | Pro |
| AMZN | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
See all 10 holdings ACLC shares with VOO Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, ACLC or VOO?
ACLC has an expense ratio of 0.39% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, ACLC or VOO?
Over the past year ACLC returned +20.09% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (6 years), ACLC annualized +14.55% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, ACLC or VOO?
ACLC has been the more volatile fund at 16.1% annualized versus 14.1% for VOO. Worst drawdown: ACLC -26.4% vs VOO -34.3%.
Should I hold both ACLC and VOO?
ACLC and VOO have a monthly-return correlation of 0.99, 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 ACLC and VOO?
ACLC and VOO share 92 common holdings with a 54.3% weight overlap. Combined, they hold 513 unique securities.
Which pays a higher dividend, ACLC or VOO?
ACLC yields 0.54% while VOO yields 1.09%, so VOO currently pays the higher dividend yield.
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