SBI vs VOO
SBI vs VOO
Western Asset Intermediate Muni Fund Inc 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 | SBI | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 1.29% | 0.03% | |
| AUM | $117M | $979.0B | |
| Dividend Yield | 5.94% | 1.09% | |
| Holdings | 270 | 509 | |
| YTD Return | +2.10% | +11.51% | |
| 1Y Return | +6.27% | +21.46% | |
| 3Y Return (annualized) | +6.31% | +20.86% | |
| 5Y Return (annualized) | -0.11% | +13.01% | |
| Volatility (annualized) | 9.2% | 14.1% | |
| Max Drawdown | -46.0% | -34.3% | |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Mar 2, 1992 | Sep 7, 2010 |
SBI vs VOO Performance
Western Asset Intermediate Muni Fund Inc (SBI) is a ETF from Franklin Templeton Investments (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year SBI returned +6.27% while VOO returned +21.46%. Year to date, SBI is up 2.10% versus a gain of 11.51% for VOO.
Over three years, SBI compounded at +6.31% per year against +20.86% for VOO; over five years the annualized figures are -0.11% and +13.01% respectively. Across the full 16-year window we track, VOO has the edge at +13.44% annualized vs -0.20%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 9.2% for SBI. 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 -46.0% for SBI 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SBI charges 1.29% per year while VOO charges 0.03%. On a $10,000 position that is $129 vs $3 annually, a gap of $126 per year that compounds over a long holding period. On income, SBI currently yields 5.94% against 1.09% for VOO.
Holdings Overlap
SBI and VOO share 0 holdings out of 653 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, SBI or VOO?
SBI has an expense ratio of 1.29% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $126 per year of difference.
Which performed better, SBI or VOO?
Over the past year SBI returned +6.27% vs +21.46% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (16 years), SBI annualized -0.20% vs +13.44% for VOO. Past performance does not guarantee future results.
Which is riskier, SBI or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 9.2% for SBI. Worst drawdown: SBI -46.0% vs VOO -34.3%.
Should I hold both SBI and VOO?
SBI and VOO have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SBI and VOO?
SBI and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 653 unique securities.
Which pays a higher dividend, SBI or VOO?
SBI yields 5.94% while VOO yields 1.09%, so SBI currently pays the higher dividend yield.
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