UCRD vs VOO
UCRD vs VOO
VictoryShares Corporate 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 | UCRD | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $148M | $979.0B | |
| Dividend Yield | 4.18% | 1.09% | |
| Holdings | 476 | 509 | |
| YTD Return | -0.14% | +13.80% | |
| 1Y Return | +2.30% | +23.71% | |
| 3Y Return (annualized) | +5.28% | +21.50% | |
| 5Y Return (annualized) | - | +13.44% | |
| Volatility (annualized) | 8.4% | 14.1% | |
| Max Drawdown | -22.1% | -34.3% | |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 4, 2021 | Sep 7, 2010 |
UCRD vs VOO Performance
VictoryShares Corporate Bond ETF (UCRD) is a ETF from Victory Capital Management Inc. and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year UCRD returned +2.30% while VOO returned +23.71%. Year to date, UCRD is down 0.14% versus a gain of 13.80% for VOO.
Over three years, UCRD compounded at +5.28% per year against +21.50% for VOO. Across the full 5-year window we track, VOO has the edge at +13.58% annualized vs +0.08%. 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 8.4% for UCRD. 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 -22.1% for UCRD 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UCRD charges 0.40% per year while VOO charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, UCRD currently yields 4.18% against 1.09% for VOO.
Holdings Overlap
UCRD and VOO share 1 holdings out of 893 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in UCRD | Weight in VOO | Difference |
|---|---|---|---|
| KDP | 0.16% | 0.07% | 0.09% |
Frequently Asked Questions
Which is cheaper, UCRD or VOO?
UCRD has an expense ratio of 0.40% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, UCRD or VOO?
Over the past year UCRD returned +2.30% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (5 years), UCRD annualized +0.08% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, UCRD or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 8.4% for UCRD. Worst drawdown: UCRD -22.1% vs VOO -34.3%.
Should I hold both UCRD and VOO?
UCRD and VOO have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UCRD and VOO?
UCRD and VOO share 1 common holdings with a 0.1% weight overlap. Combined, they hold 893 unique securities.
Which pays a higher dividend, UCRD or VOO?
UCRD yields 4.18% while VOO yields 1.09%, so UCRD currently pays the higher dividend yield.
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