ETF Versus

IAU vs VOO

iShares Gold Trust vs Vanguard S&P 500 ETF

Last updated: 2026-04-09

IAU

iShares Gold Trust (IAU) is an exchange-traded fund that provides exposure to gold securities. It charges a moderate expense ratio of 0.25%. Launched in 2005, the fund has a 21-year track record.

AUM: $73.9B ER: 0.25% Yield: N/A Since: Jan 21, 2005
VOO

Vanguard S&P 500 ETF (VOO) is an exchange-traded fund that provides exposure to large-cap U.S. equities across growth and value styles. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.15%. Launched in 2010, the fund has a 16-year track record.

AUM: $826.9B ER: 0.03% Yield: 1.15% Since: Sep 7, 2010

Quick Verdict

VOO is significantly cheaper at 0.03% vs 0.25% expense ratio, saving you approximately $435 per $10,000 invested over 10 years. Over the past year, IAU has significantly outperformed with a 51.5% return vs 21.4%.

Key Metrics

Metric IAU VOO
Expense Ratio 0.25% 0.03%
Dividend Yield N/A 1.1%
Fund Family N/A N/A
Category Gold US Large Cap Blend

Performance Chart

Indexed to 100 at start (5-year comparison)

85 129 173 217 261 305 2021-04 2022-07 2023-10 2024-12 2026-04
IAU +166.3%
VOO +60.2%

Performance Comparison

Period IAU VOO Difference
1 Month -9.60% -2.68% -6.92%
3 Months +4.21% -5.06% +9.27%
6 Months +14.25% -0.59% +14.84%
YTD +8.46% -3.54% +12.00%
1 Year +51.52% +21.43% +30.09%
3 Years +134.21% +61.03% +73.18%
5 Years +168.06% +60.15% +107.91%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period IAU Fees VOO Fees You Save
$10,000 10 years $495 $60 $435
$10,000 20 years $2,111 $258 $1,853
$10,000 30 years $6,758 $835 $5,923
$50,000 10 years $2,473 $299 $2,173
$50,000 30 years $33,792 $4,176 $29,616
$100,000 30 years $67,584 $8,352 $59,232

Risk Metrics

Based on 5 years of daily returns

Metric IAU VOO
Annualized Volatility 17.7% 16.8%
Max Drawdown -20.9% -25.4%
Sharpe Ratio 0.95 0.38

Dividend Comparison

Metric IAU VOO
Annual Dividend (per share) $0.00 $7.13
Dividend Yield 0.00% 1.18%
Distribution Frequency None Quarterly

Top Holdings

VOO Top Holdings

NameWeight
NVIDIA CorporationNVDA7.31%
Apple Inc.AAPL6.63%
Microsoft CorporationMSFT4.96%
Amazon.com, Inc.AMZN3.47%
Broadcom Inc.AVGO2.56%
Alphabet Inc.GOOG2.46%
Meta Platforms, Inc.META2.40%
Tesla, Inc.TSLA1.92%
Berkshire Hathaway Inc.BRK.B1.57%

Which One Should You Choose?

Choose VOO if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose IAU if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

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