TOTR vs VOO
TOTR vs VOO
T. Rowe Price Total Return ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. TOTR offers more diversification with 579 holdings.
Side-by-Side Comparison
| Metric | TOTR | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.31% | 0.03% | |
| AUM | $574M | $979.0B | |
| Dividend Yield | 5.31% | 1.09% | |
| Holdings | 1,222 | 509 | |
| YTD Return | -0.65% | +9.95% | |
| 1Y Return | +2.61% | +19.58% | |
| 3Y Return (annualized) | +4.24% | +19.43% | |
| 5Y Return (annualized) | - | +12.89% | |
| Volatility (annualized) | 6.6% | 14.2% | |
| Max Drawdown | -19.6% | -34.3% | |
| Fund Family | T.Rowe Price | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 28, 2021 | Sep 7, 2010 |
TOTR vs VOO Performance
T. Rowe Price Total Return ETF (TOTR) is a ETF from T.Rowe Price and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year TOTR returned +2.61% while VOO returned +19.58%. Year to date, TOTR is down 0.65% versus a gain of 9.95% for VOO.
Over three years, TOTR compounded at +4.24% per year against +19.43% for VOO. Across the full 5-year window we track, VOO has the edge at +13.35% annualized vs -0.54%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 6.6% for TOTR. 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 -19.6% for TOTR 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TOTR charges 0.31% per year while VOO charges 0.03%. On a $10,000 position that is $31 vs $3 annually, a gap of $28 per year that compounds over a long holding period. On income, TOTR currently yields 5.31% against 1.09% for VOO.
Holdings Overlap
TOTR and VOO share 0 holdings out of 1084 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, TOTR or VOO?
TOTR has an expense ratio of 0.31% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $28 per year of difference.
Which performed better, TOTR or VOO?
Over the past year TOTR returned +2.61% vs +19.58% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (5 years), TOTR annualized -0.54% vs +13.35% for VOO. Past performance does not guarantee future results.
Which is riskier, TOTR or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 6.6% for TOTR. Worst drawdown: TOTR -19.6% vs VOO -34.3%.
Should I hold both TOTR and VOO?
TOTR and VOO have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TOTR and VOO?
TOTR and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1084 unique securities.
Which pays a higher dividend, TOTR or VOO?
TOTR yields 5.31% while VOO yields 1.09%, so TOTR currently pays the higher dividend yield.
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