LOTI vs VOO
Liberty One Tactical Income ETF vs Vanguard S&P 500 ETF
Which is better, LOTI or VOO?
Tactical Allocation against Large Cap Blend.
VOO has a lower expense ratio. VOO led over 1Y and the full window. VOO is less concentrated, with 37.9% of the fund in its ten largest positions against 52.2%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | LOTI | VOO |
|---|---|---|
| Expense Ratio | 1.01% | 0.03%Best |
| AUM | $48M | $1.0T |
| Dividend Yield | 2.14% | 1.06% |
| Holdings | 68 | 506 |
| YTD Return | +4.53% | +13.57%Best |
| 1Y Return | +3.62% | +17.55%Best |
| 3Y Return (annualized) | - | +22.46% |
| 5Y Return (annualized) | - | +13.28% |
| Volatility (annualized) | 7.1%Best | 12.7% |
| Max Drawdown | -4.4%Best | -8.9% |
| $10,000 over 1 years | $10,450 | $11,619Best |
| Top 10 Weight | 52.2% | 37.9%Best |
| Fund Family | Liberty One Investment Management, LLC | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Tactical Allocation | Large Cap Blend |
| Inception | Sep 30, 2025 | Sep 7, 2010 |
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Sep 30, 2025 to Oct 14, 2026 (1 years).
LOTI vs VOO growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1 years both funds cover.
LOTI vs VOO Performance
Liberty One Tactical Income ETF (LOTI) is an ETF from Liberty One Investment Management, LLC and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year LOTI returned +3.62% while VOO returned +17.55%. Year to date, LOTI is up 4.53% versus a gain of 13.57% for VOO.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 12.7% compared with 7.1% for LOTI. 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 -4.4% for LOTI and -8.9% for VOO. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.31. They move together some of the time, and apart the rest.
Fees and Cost Over Time
LOTI charges 1.01% per year while VOO charges 0.03%. On a $10,000 position that is $101 vs $3 annually, a gap of $98 per year that compounds over a long holding period. On income, LOTI currently yields 2.14% against 1.06% for VOO.
Holdings Overlap
51.3% of LOTI's money is in holdings VOO also owns. 17.6% of VOO's money is in holdings LOTI also owns.
The two portfolios partly overlap.
24 positions in common, counted across the 34 positions we hold weights for in LOTI and 504 in VOO, against full books of 68 and 506.
What only one of them owns
Our book lists 475 positions for VOO that do not appear in our book for LOTI (82.1% of the fund), and 10 for LOTI that do not appear in VOO (48.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in LOTI | Weight in VOO | Difference |
|---|---|---|---|
| MSFTMicrosoft Corp | 2.06% | 5.70% | 3.64% |
| AVGOBroadcom Inc | 2.16% | 2.65% | 0.49% |
| LLYEli Lilly & Co. | 3.18% | 1.38% | 1.80% |
| GOOGAlphabet Inc. C | 2.13% | 2.40% | 0.27% |
| JNJJohnson & Johnson - Common | 2.85% | 0.97% | 1.88% |
| KOCoca Cola Co. | 2.58% | 0.52% | 2.06% |
| CAHCardinal Health Inc. | 2.99% | 0.08% | 2.91% |
| VVisa Inc Class A | 2.01% | 0.93% | 1.08% |
| GILDGilead Sciences | 2.59% | 0.27% | 2.32% |
| UNHUnitedhealth Group Incorporated | 2.22% | 0.53% | 1.69% |
51.3% of LOTI is already inside VOO.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, LOTI or VOO?
LOTI has an expense ratio of 1.01% while VOO charges 0.03%. VOO is the cheaper option, by $98 a year on a $10,000 investment.
Which performed better, LOTI or VOO?
Over the past year LOTI returned +3.62% vs +17.55% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (1 years), LOTI annualized +4.50% vs +16.19% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LOTI or VOO?
VOO has been the more volatile fund at 12.7% annualized versus 7.1% for LOTI. Worst drawdown: LOTI -4.4% vs VOO -8.9%.
Should I hold both LOTI and VOO?
LOTI and VOO have a monthly-return correlation of 0.31, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between LOTI and VOO?
51.3% of LOTI's money is in holdings VOO also owns. 17.6% of VOO's is in holdings LOTI also owns. They hold 24 positions in common, counted across the 34 positions we hold weights for in LOTI and 504 in VOO.
Which pays a higher dividend, LOTI or VOO?
LOTI yields 2.14% while VOO yields 1.06%, so LOTI currently pays the higher dividend yield.
Is VOO better than LOTI?
VOO has a lower expense ratio. VOO led over 1Y and the full window. VOO is less concentrated, with 37.9% of the fund in its ten largest positions against 52.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.