CAFX vs VOO
CAFX vs VOO
Congress Intermediate Bond 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 | CAFX | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $321M | $979.0B | |
| Dividend Yield | 4.38% | 1.09% | |
| Holdings | 50 | 509 | |
| YTD Return | -0.03% | +9.95% | |
| 1Y Return | +2.52% | +19.58% | |
| 3Y Return (annualized) | - | +19.43% | |
| 5Y Return (annualized) | - | +12.89% | |
| Volatility (annualized) | 2.6% | 14.2% | |
| Max Drawdown | -2.6% | -34.3% | |
| Fund Family | Congress Asset Management Company | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 9, 2024 | Sep 7, 2010 |
CAFX vs VOO Performance
Congress Intermediate Bond ETF (CAFX) is a ETF from Congress Asset Management Company and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year CAFX returned +2.52% while VOO returned +19.58%. Year to date, CAFX is down 0.03% versus a gain of 9.95% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 2.6% for CAFX. 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 -2.6% for CAFX 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 0.22. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CAFX charges 0.35% per year while VOO charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, CAFX currently yields 4.38% against 1.09% for VOO.
Holdings Overlap
CAFX and VOO share 0 holdings out of 545 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, CAFX or VOO?
CAFX has an expense ratio of 0.35% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, CAFX or VOO?
Over the past year CAFX returned +2.52% vs +19.58% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), CAFX annualized +2.43% vs +13.35% for VOO. Past performance does not guarantee future results.
Which is riskier, CAFX or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 2.6% for CAFX. Worst drawdown: CAFX -2.6% vs VOO -34.3%.
Should I hold both CAFX and VOO?
CAFX and VOO have a monthly-return correlation of 0.22, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CAFX and VOO?
CAFX and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 545 unique securities.
Which pays a higher dividend, CAFX or VOO?
CAFX yields 4.38% while VOO yields 1.09%, so CAFX currently pays the higher dividend yield.
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