USTB vs VOO
USTB vs VOO
VictoryShares Short-Term Bond ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. USTB offers more diversification with 742 holdings.
Side-by-Side Comparison
| Metric | USTB | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.34% | 0.03% | |
| AUM | $2.3B | $979.0B | |
| Dividend Yield | 4.58% | 1.09% | |
| Holdings | 922 | 509 | |
| YTD Return | +1.80% | +13.31% | |
| 1Y Return | +3.95% | +24.01% | |
| 3Y Return (annualized) | +5.86% | +21.17% | |
| 5Y Return (annualized) | +3.56% | +13.34% | |
| Volatility (annualized) | 2.4% | 14.1% | |
| Max Drawdown | -5.5% | -34.3% | |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 24, 2017 | Sep 7, 2010 |
USTB vs VOO Performance
VictoryShares Short-Term Bond ETF (USTB) 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 USTB returned +3.95% while VOO returned +24.01%. Year to date, USTB is up 1.80% versus a gain of 13.31% for VOO.
Over three years, USTB compounded at +5.86% per year against +21.17% for VOO; over five years the annualized figures are +3.56% and +13.34% respectively. Across the full 9-year window we track, VOO has the edge at +13.55% annualized vs +2.51%. 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 2.4% for USTB. 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 -5.5% for USTB 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
USTB charges 0.34% per year while VOO charges 0.03%. On a $10,000 position that is $34 vs $3 annually, a gap of $31 per year that compounds over a long holding period. On income, USTB currently yields 4.58% against 1.09% for VOO.
Holdings Overlap
USTB and VOO share 0 holdings out of 1247 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, USTB or VOO?
USTB has an expense ratio of 0.34% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $31 per year of difference.
Which performed better, USTB or VOO?
Over the past year USTB returned +3.95% vs +24.01% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (9 years), USTB annualized +2.51% vs +13.55% for VOO. Past performance does not guarantee future results.
Which is riskier, USTB or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 2.4% for USTB. Worst drawdown: USTB -5.5% vs VOO -34.3%.
Should I hold both USTB and VOO?
USTB and VOO have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between USTB and VOO?
USTB and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1247 unique securities.
Which pays a higher dividend, USTB or VOO?
USTB yields 4.58% while VOO yields 1.09%, so USTB currently pays the higher dividend yield.
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