VOO is Vanguard's S&P 500 index fund, an ETF with 504 holdings that costs 0.03% a year. The S&P 500 is what most people mean by “the market”. See what VOO could grow to at its past rates, with dividends reinvested or price only.
Price grows 10.05% a year, VOO's pace over the last 5 years. Not a promise.
At a steady 7% a year, a common rule of thumb: $295,340
With dividends reinvested, the plan is worth twice what you put in by year 11.Price only, the plan is worth twice what you put in by year 12.
How much does VOO pay in dividends?
What VOO pays now
VOO passes on the dividends of its 504 holdings, the companies in the S&P 500.
The yield is the last payment times 4, divided by today's price. The plan starts from the average of the last 4 payments, $7.43 a share a year.
Next VOO dividend: ~$1.876 per share, estimated around Dec 24
Dividends in this plan
That is more than the dividends paid, because the shares they buy keep growing. Not a promise.
VOO at a Glance
| VOO latest price | $693.38 (close Nov 13, 2026) |
| 1-year price change | +12.2% |
| YTD price change | +10.6% |
| Latest VOO dividend per share | $1.823 (ex-dividend Sep 28, 2026) |
| Forward yield (run-rate) | 1.05% ($1.823 × 4 = $7.29 / year) |
| 12-month (TTM) yield | 1.07% ($7.43 paid in the last 12 months) |
| Payout frequency | Quarterly |
| Next pay date (est.) | Dec 24, 2026 |
VOO Dividend FAQ
Does VOO pay quarterly dividends?
Yes. VOO pays a dividend every quarter (4 times a year), not monthly. The latest payment was $1.823 per share.
When is VOO’s next dividend?
VOO’s latest dividend was paid Sep 30, 2026 (ex-dividend Sep 28, 2026). The next one hasn’t been declared yet; on last year’s schedule it is estimated at ~$1.876 per share around Dec 24, 2026.
What is VOO’s dividend yield?
VOO’s forward dividend yield is 1.05% at the current run-rate: the latest $1.823 payment × 4 payments a year = $7.29 per share a year, against the latest price of $693.38.
How it is worked out. VOO tracks the S&P 500, so its price moves with those companies. VOO's price grows 10.05% a year, its price growth over the last 5 years (10.05%) or 10 years (13.30%), whichever is lower. Growth compounds every year. Dividends start at $7.43 a share a year (average of the last 4 payments), grow 6.39% a year and are paid 4 times a year. Monthly adds go in 3 months at a time, when VOO pays. With DRIP on, each dividend buys more shares. Price only leaves them out. What VOO really did over the last 5 years: 11.58% a year with dividends reinvested. Not a promise.
Your plan on VOO's real prices
The same amounts, no forecast, on VOO's real prices over the last 10 years: $10,000 at the start plus $500 every 30 days, Nov 14, 2016 to Nov 13, 2026.
Year by year
| Year | You put in | Value, reinvestedprice only | Growth added | Dividends that year |
|---|---|---|---|---|
| 1 | $16,000 | $17,528$17,377 | $1,528$1,377 | $147– |
| 2 | $22,000 | $25,889$25,494 | $3,889$3,494 | $220– |
| 3 | $28,000 | $35,170$34,427 | $7,170$6,427 | $297– |
| 4 | $34,000 | $45,465$44,258 | $11,465$10,258 | $377– |
| 5 | $40,000 | $56,882$55,076 | $16,882$15,076 | $462– |
| 6 | $46,000 | $69,538$66,980 | $23,538$20,980 | $549– |
| 7 | $52,000 | $83,560$80,081 | $31,560$28,081 | $642– |
| 8 | $58,000 | $99,093$94,497 | $41,093$36,497 | $740– |
| 9 | $64,000 | $116,292$110,361 | $52,292$46,361 | $843– |
| 10 | $70,000 | $135,332$127,819 | $65,332$57,819 | $951– |
| 11 | $76,000 | $156,402$147,031 | $80,402$71,031 | $1,065– |
| 12 | $82,000 | $179,714$168,173 | $97,714$86,173 | $1,186– |
| 13 | $88,000 | $205,500$191,438 | $117,500$103,438 | $1,313– |
| 14 | $94,000 | $234,015$217,040 | $140,015$123,040 | $1,448– |
| 15 | $100,000 | $265,543$245,214 | $165,543$145,214 | $1,590– |
| 16 | $106,000 | $300,395$276,218 | $194,395$170,218 | $1,742– |
| 17 | $112,000 | $338,914$310,336 | $226,914$198,336 | $1,902– |
| 18 | $118,000 | $381,477$347,882 | $263,477$229,882 | $2,071– |
| 19 | $124,000 | $428,502$389,199 | $304,502$265,199 | $2,251– |
| 20 | $130,000 | $480,449$434,666 | $350,449$304,666 | $2,442– |
Has the S&P 500 ever lost money over 10 years?
Yes. With dividends reinvested, 263 of the 287 ten-year stretches since January 1993 ended higher and 24 ended lower. Every 15-year and 20-year stretch ended higher. The worst 10 years ran from Mar 1, 1999 to Mar 2, 2009. With dividends reinvested that was -3.9% a year, price only -5.5% a year.
The biggest fall was 56%, from Oct 9, 2007 to Mar 9, 2009. The price got back to that high on Mar 14, 2013, 5.4 years after the top. With dividends reinvested it got back sooner, on Aug 16, 2012.
| Held for | Higher, with dividends | Higher, price only | Worst, a year |
|---|---|---|---|
| 10 years | 263 of 287 | 259 of 287 | -3.9% |
| 15 years | 227 of 227 | 227 of 227 | 3.5% |
| 20 years | 167 of 167 | 167 of 167 | 4.5% |
VOO's prices here start in 2010, so this uses SPY, the oldest S&P 500 ETF, Jan 29, 1993 to Nov 13, 2026. A stretch starts on the first trading day of each month. The worst column counts dividends. Dividends are reinvested at the ex-dividend day close. This is the record so far, not a promise for the next 10 years.
VOO fund facts
| Tracks | S&P 500 |
| Run by | Vanguard |
| Fund type | Index fund, ETF |
| Holdings | 504 |
| Expense ratio | 0.03% a year, $3 on every $10,000 |
| Fund size | $1.70T |
| Inception | Sep 7, 2010 |
| Price | $693.38 on Nov 13, 2026 |
VOO Holdings
VOO holds 504 positions — each with its current price, 1-year and year-to-date price change, payout frequency, portfolio weight, forward yield, and its live trade signal. Showing positions 1–25 of 504, 25 per page, ranked by portfolio weight.
| Ticker | Dividend Safety | Price | 1Y % | YTD % | Dividend | FWD Yield | Freq | Weight (%) | Shares | Signal |
|---|---|---|---|---|---|---|---|---|---|---|
| NVDA | Dividend Safety Rating: paid plans only | $162.86 | -14.36% | -12.68% | $0.25 | 0.61% | Quarterly | 8.39% | 635.6M |  NVDA has a Trend Signal — Oct 15 '26 (30 days ago) |
| AAPL | Dividend Safety Rating: paid plans only | $356.40 | +30.83% | +31.10% | $0.27 | 0.30% | Quarterly | 7.38% | 383.3M | AAPL has a Trend Signal — Nov 2 '26 (12 days ago) |
| MSFT | Dividend Safety Rating: paid plans only | $524.19 | +2.75% | +8.39% | $0.91 | 0.69% | Quarterly | 5.78% | 195.0M | MSFT has a Trend Signal — Oct 16 '26 (29 days ago) |
| AMZN | $266.65 | +13.62% | +15.52% | $0.00 | 0.00% | — | 3.71% | 257.8M | AMZN has a Trend Signal — Oct 23 '26 (22 days ago) | |
| GOOGL | Dividend Safety Rating: paid plans only | $295.81 | +7.02% | -5.49% | $0.22 | 0.30% | Quarterly | 3.07% | 154.4M | GOOGL has a Trend Signal — Oct 19 '26 (26 days ago) |
| AVGO | Dividend Safety Rating: paid plans only | $347.01 | +1.33% | +0.26% | $0.65 | 0.75% | Quarterly | 2.54% | 125.0M | AVGO has a Trend Signal — Aug 17 '26 (89 days ago) |
| GOOG | Dividend Safety Rating: paid plans only | $292.51 | +5.61% | -6.78% | $0.22 | 0.30% | Quarterly | 2.45% | 124.5M | GOOG has a Trend Signal — Oct 19 '26 (26 days ago) |
| META | Dividend Safety Rating: paid plans only | $641.87 | +5.32% | -2.76% | $0.53 | 0.33% | Quarterly | 2.43% | 57.9M | META has a Trend Signal — Oct 23 '26 (22 days ago) |
| MU | Dividend Safety Rating: paid plans only | $778.11 | +215.24% | +172.63% | $0.15 | 0.08% | Quarterly | 1.83% | 29.7M | MU has a Trend Signal — Sep 14 '26 (61 days ago) |
| TSLA | $390.24 | -3.49% | -13.23% | $0.00 | 0.00% | — | 1.52% | 74.0M | TSLA has a Trend Signal — Oct 15 '26 (30 days ago) | |
| AMD | $534.15 | +116.42% | +149.42% | $0.01 | 0.00% | — | 1.52% | 42.9M | AMD has a Trend Signal — Oct 16 '26 (29 days ago) | |
| BRK-B | $592.94 | +16.50% | +17.96% | $0.00 | 0.00% | — | 1.41% | 48.9M | BRK-B has a Trend Signal — Oct 12 '26 (33 days ago) | |
| LLY | Dividend Safety Rating: paid plans only | $1,444.80 | +40.92% | +34.44% | $1.73 | 0.48% | Quarterly | 1.41% | 21.0M | LLY has a Trend Signal — Oct 9 '26 (36 days ago) |
| JPM | Dividend Safety Rating: paid plans only | $346.29 | +14.06% | +7.47% | $1.65 | 1.91% | Quarterly | 1.33% | 69.8M | JPM has a Trend Signal — Sep 17 '26 (58 days ago) |
| XOM | Dividend Safety Rating: paid plans only | $170.61 | +43.02% | +41.77% | $1.03 | 2.41% | Quarterly | 1.02% | 108.0M | XOM has a Trend Signal — Nov 6 '26 (8 days ago) |
| JNJ | Dividend Safety Rating: paid plans only | $286.06 | +46.00% | +38.23% | $1.34 | 1.87% | Quarterly | 0.97% | 63.3M | JNJ has a Trend Signal — Oct 2 '26 (43 days ago) |
| V | Dividend Safety Rating: paid plans only | $425.73 | +29.00% | +21.39% | $0.78 | 0.73% | Quarterly | 0.91% | 43.9M | V has a Trend Signal — Oct 27 '26 (18 days ago) |
| INTC | $59.66 | +67.96% | +61.68% | $0.13 | 0.84% | — | 0.91% | 130.5M | INTC has a Trend Signal — Oct 9 '26 (36 days ago) | |
| WMT | Dividend Safety Rating: paid plans only | $128.09 | +24.99% | +14.97% | $0.25 | 0.77% | Quarterly | 0.70% | 117.1M | WMT has a Trend Signal — Oct 9 '26 (36 days ago) |
| ABBV | Dividend Safety Rating: paid plans only | $295.06 | +26.98% | +29.13% | $1.73 | 2.35% | Quarterly | 0.70% | 46.4M | ABBV has a Trend Signal — Oct 13 '26 (32 days ago) |
| MA | Dividend Safety Rating: paid plans only | $661.16 | +21.15% | +15.81% | $0.87 | 0.53% | Quarterly | 0.68% | 21.2M | MA has a Trend Signal — Oct 26 '26 (19 days ago) |
| PLTR | $168.01 | -3.45% | -5.48% | $0.00 | 0.00% | — | 0.65% | 60.4M | PLTR has a Trend Signal — Oct 16 '26 (29 days ago) | |
| CSCO | Dividend Safety Rating: paid plans only | $95.64 | +22.62% | +24.16% | $0.42 | 1.76% | Quarterly | 0.64% | 103.5M | CSCO has a Trend Signal — Oct 16 '26 (29 days ago) |
| LRCX | Dividend Safety Rating: paid plans only | $226.05 | +52.47% | +32.05% | $0.33 | 0.58% | Quarterly | 0.62% | 32.9M | LRCX has a Trend Signal — Oct 13 '26 (32 days ago) |
| AMAT | Dividend Safety Rating: paid plans only | $370.41 | +63.89% | +44.13% | $0.53 | 0.57% | Quarterly | 0.62% | 20.9M | AMAT has a Trend Signal — Oct 14 '26 (31 days ago) |
Questions about VOO growth, crashes and dividends
Is VOO an index fund?
Yes. VOO is Vanguard's S&P 500 index fund, an ETF. It owns the companies in the S&P 500 (504 holdings in its latest list) and follows the index instead of picking stocks. The S&P 500 is what most people mean by “the market”.
How much could VOO be worth in 20 years?
At its past rates, $10,000 plus $500 a month would grow to about $480,449 in 20 years with dividends reinvested, or $434,666 price only. That repeats VOO's price growth of the last 5 years every year, and real years go up and down. At a steady 7% a year it would be $295,340.
How did VOO do in past crashes?
VOO's prices here start in 2010, so we look at SPY, the oldest S&P 500 ETF. Its biggest fall was 56%, from Oct 9, 2007 to Mar 9, 2009. The price got back to that high on Mar 14, 2013, and on Aug 16, 2012 with dividends reinvested.
How is the growth rate picked?
We use VOO's price growth alone, over the last 5 or 10 years, whichever is lower. Dividends are counted on their own, so the two together make the total return and nothing is counted twice. The 7% line under the result shows a slower case.
What does dividends reinvested mean?
Each dividend buys more VOO shares on the day it is paid. That is what DRIP on does. Price only leaves the dividends out, as if you spent them.
Is this a promise?
No. The calculator repeats VOO's past rates every single year. Real years go up and down, and the S&P 500 ended lower in 24 of 287 ten-year stretches since 1993, dividends reinvested.
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