RULE vs VOO
RULE vs VOO
Adaptive Core ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. RULE delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | RULE | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 1.84% | 0.03% | |
| AUM | $15M | $979.0B | |
| Dividend Yield | 0.00% | 1.09% | |
| Holdings | 36 | 509 | |
| YTD Return | +30.34% | +13.31% | |
| 1Y Return | +34.62% | +24.01% | |
| 3Y Return (annualized) | +15.83% | +21.17% | |
| 5Y Return (annualized) | - | +13.34% | |
| Volatility (annualized) | 17.9% | 14.1% | |
| Max Drawdown | -30.5% | -34.3% | |
| Fund Family | Mohr Funds | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 2, 2021 | Sep 7, 2010 |
RULE vs VOO Performance
Adaptive Core ETF (RULE) is a ETF from Mohr Funds and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year RULE returned +34.62% while VOO returned +24.01%. Year to date, RULE is up 30.34% versus a gain of 13.31% for VOO.
Over three years, RULE compounded at +15.83% per year against +21.17% for VOO. Across the full 5-year window we track, VOO has the edge at +13.55% annualized vs +4.52%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RULE has been the more volatile fund, with annualized monthly volatility of 17.9% 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 -30.5% for RULE 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RULE charges 1.84% per year while VOO charges 0.03%. On a $10,000 position that is $184 vs $3 annually, a gap of $181 per year that compounds over a long holding period. On income, RULE currently yields 0.00% against 1.09% for VOO.
Holdings Overlap
RULE and VOO share 28 holdings out of 512 unique holdings combined, representing a 16.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RULE | Weight in VOO | Difference |
|---|---|---|---|
| NVDA | 2.41% | 7.51% | 5.10% |
| MU | 6.58% | 2.02% | 4.56% |
| GOOGL | 3.17% | 3.25% | 0.08% |
| GLW | Pro | Pro | Pro |
| STX | Pro | Pro | Pro |
| LRCX | Pro | Pro | Pro |
| NEM | Pro | Pro | Pro |
| KLAC | Pro | Pro | Pro |
| AMD | Pro | Pro | Pro |
| CAT | Pro | Pro | Pro |
See all 10 holdings RULE 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, RULE or VOO?
RULE has an expense ratio of 1.84% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $181 per year of difference.
Which performed better, RULE or VOO?
Over the past year RULE returned +34.62% vs +24.01% for VOO, so RULE leads on 1-year performance. Over the longest common window we track (5 years), RULE annualized +4.52% vs +13.55% for VOO. Past performance does not guarantee future results.
Which is riskier, RULE or VOO?
RULE has been the more volatile fund at 17.9% annualized versus 14.1% for VOO. Worst drawdown: RULE -30.5% vs VOO -34.3%.
Should I hold both RULE and VOO?
RULE and VOO have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RULE and VOO?
RULE and VOO share 28 common holdings with a 16.6% weight overlap. Combined, they hold 512 unique securities.
Which pays a higher dividend, RULE or VOO?
RULE yields 0.00% while VOO yields 1.09%, so VOO currently pays the higher dividend yield.
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