VOO vs XNAV
VOO vs XNAV
Vanguard S&P 500 ETF vs FundX Aggressive ETF
Quick Verdict
VOO has a lower expense ratio. XNAV delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | VOO | XNAV | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.27% | |
| AUM | $979.0B | $30M | |
| Dividend Yield | 1.09% | 0.48% | |
| Holdings | 509 | 23 | |
| YTD Return | +13.53% | +13.20% | |
| 1Y Return | +23.65% | +28.90% | |
| 3Y Return (annualized) | +21.27% | +19.97% | |
| 5Y Return (annualized) | +13.52% | - | |
| Volatility (annualized) | 14.1% | 16.7% | |
| Max Drawdown | -34.3% | -24.3% | |
| Fund Family | Vanguard (US) | FundX Funds | |
| Category | Equity | Equity | |
| Inception | Sep 7, 2010 | Oct 14, 2022 |
VOO vs XNAV Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and FundX Aggressive ETF (XNAV) is a ETF from FundX Funds. Over the past year VOO returned +23.65% while XNAV returned +28.90%. Year to date, VOO is up 13.53% versus a gain of 13.20% for XNAV.
Over three years, VOO compounded at +21.27% per year against +19.97% for XNAV. Across the full 4-year window we track, XNAV has the edge at +20.54% annualized vs +13.57%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XNAV has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 14.1% for VOO. 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 -24.3% for XNAV. 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 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VOO charges 0.03% per year while XNAV charges 1.27%. On a $10,000 position that is $3 vs $127 annually, a gap of $124 per year that compounds over a long holding period. On income, VOO currently yields 1.09% against 0.48% for XNAV.
Holdings Overlap
VOO and XNAV share 0 holdings out of 527 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 XNAV?
VOO has an expense ratio of 0.03% while XNAV charges 1.27%. VOO is the cheaper option. On a $10,000 investment, that is $124 per year of difference.
Which performed better, VOO or XNAV?
Over the past year VOO returned +23.65% vs +28.90% for XNAV, so XNAV leads on 1-year performance. Over the longest common window we track (4 years), VOO annualized +13.57% vs +20.54% for XNAV. Past performance does not guarantee future results.
Which is riskier, VOO or XNAV?
XNAV has been the more volatile fund at 16.7% annualized versus 14.1% for VOO. Worst drawdown: VOO -34.3% vs XNAV -24.3%.
Should I hold both VOO and XNAV?
VOO and XNAV have a monthly-return correlation of 0.88, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VOO and XNAV?
VOO and XNAV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 527 unique securities.
Which pays a higher dividend, VOO or XNAV?
VOO yields 1.09% while XNAV yields 0.48%, so VOO currently pays the higher dividend yield.
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