VOO vs XFLX
VOO vs XFLX
Vanguard S&P 500 ETF vs FundX Flexible 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 | VOO | XFLX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.97% | |
| AUM | $979.0B | $50M | |
| Dividend Yield | 1.09% | 9.66% | |
| Holdings | 509 | 14 | |
| YTD Return | +9.95% | +0.94% | |
| 1Y Return | +19.58% | +3.39% | |
| 3Y Return (annualized) | +19.43% | - | |
| 5Y Return (annualized) | +12.89% | - | |
| Volatility (annualized) | 14.2% | 4.0% | |
| Max Drawdown | -34.3% | -6.5% | |
| Fund Family | Vanguard (US) | Fund X | |
| Category | Equity | Fixed Income | |
| Inception | Sep 7, 2010 | Jul 1, 2002 |
VOO vs XFLX Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and FundX Flexible ETF (XFLX) is a ETF from Fund X. Over the past year VOO returned +19.58% while XFLX returned +3.39%. Year to date, VOO is up 9.95% versus a gain of 0.94% for XFLX.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 4.0% for XFLX. 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 -34.3% for VOO and -6.5% for XFLX. 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VOO charges 0.03% per year while XFLX charges 0.97%. On a $10,000 position that is $3 vs $97 annually, a gap of $94 per year that compounds over a long holding period. On income, VOO currently yields 1.09% against 9.66% for XFLX.
Holdings Overlap
VOO and XFLX share 0 holdings out of 518 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, VOO or XFLX?
VOO has an expense ratio of 0.03% while XFLX charges 0.97%. VOO is the cheaper option. On a $10,000 investment, that is $94 per year of difference.
Which performed better, VOO or XFLX?
Over the past year VOO returned +19.58% vs +3.39% for XFLX, so VOO leads on 1-year performance. Over the longest common window we track (3 years), VOO annualized +13.35% vs +4.12% for XFLX. Past performance does not guarantee future results.
Which is riskier, VOO or XFLX?
VOO has been the more volatile fund at 14.2% annualized versus 4.0% for XFLX. Worst drawdown: VOO -34.3% vs XFLX -6.5%.
Should I hold both VOO and XFLX?
VOO and XFLX have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VOO and XFLX?
VOO and XFLX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 518 unique securities.
Which pays a higher dividend, VOO or XFLX?
VOO yields 1.09% while XFLX yields 9.66%, so XFLX currently pays the higher dividend yield.
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