NIO vs VOO: which was the better investment?
NIO Inc. against Vanguard S&P 500 ETF on real daily total-return data — every dividend reinvested, from Sep 12, 2018 to Jul 13, 2026.
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Frequently asked questions
Did NIO beat VOO?
No — measured from Sep 12, 2018 to Jul 13, 2026 with dividends reinvested, VOO came out ahead: $29,399 versus $7,470 from a $10,000 start. That gap compounds from a 14.8% annual return against -3.7%.
What would $10,000 in NIO be worth today?
$10,000 invested in NIO Inc. (NIO) on Sep 12, 2018 would be worth about $7,470 as of Jul 13, 2026, a total return of -25.3% (-3.7% per year). The same $10,000 in VOO would be worth $29,399.
Which was riskier — NIO or VOO?
NIO swung with an annualized volatility of 86.3% and a worst peak-to-trough drop of -95.0%; VOO ran at 19.6% volatility with a -34.0% maximum drawdown. Risk-adjusted (Sharpe ratio), that is -0.07 for NIO vs 0.65 for VOO.
What data is this comparison based on?
Daily adjusted closing prices covering Sep 12, 2018 through Jul 13, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with NIO vs VOO. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.