RAA vs VOO
SMI 3Fourteen REAL Asset Allocation ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | RAA | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.03% | |
| AUM | $613M | $997.4B | |
| Dividend Yield | 2.13% | 1.08% | |
| Holdings | 179 | 509 | |
| YTD Return | +10.65% | +12.73% | |
| 1Y Return | +17.74% | +20.59% | |
| 3Y Return (annualized) | +15.66% | +21.70% | |
| 5Y Return (annualized) | +15.66% | +12.87% | |
| Volatility (annualized) | 23.4% | 14.1% | |
| Max Drawdown | -53.8% | -34.3% | |
| Fund Family | 3FourteenSMI | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 26, 2025 | Sep 7, 2010 |
RAA vs VOO Performance
SMI 3Fourteen REAL Asset Allocation ETF (RAA) is a ETF from 3FourteenSMI and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year RAA returned +17.74% while VOO returned +20.59%. Year to date, RAA is up 10.65% versus a gain of 12.73% for VOO.
Over three years, RAA compounded at +15.66% per year against +21.70% for VOO; over five years the annualized figures are +15.66% and +12.87% respectively. Across the full 16-year window we track, VOO has the edge at +13.47% annualized vs +7.28%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RAA has been the more volatile fund, with annualized monthly volatility of 23.4% 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 -53.8% for RAA and -34.3% for VOO. 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 -0.03. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RAA charges 0.85% per year while VOO charges 0.03%. On a $10,000 position that is $85 vs $3 annually, a gap of $82 per year that compounds over a long holding period. On income, RAA currently yields 2.13% against 1.08% for VOO.
Holdings Overlap
RAA and VOO share 139 holdings out of 548 unique holdings combined, representing a 20.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RAA or VOO?
RAA has an expense ratio of 0.85% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, RAA or VOO?
Over the past year RAA returned +17.74% vs +20.59% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (16 years), RAA annualized +7.28% vs +13.47% for VOO. Past performance does not guarantee future results.
Which is riskier, RAA or VOO?
RAA has been the more volatile fund at 23.4% annualized versus 14.1% for VOO. Worst drawdown: RAA -53.8% vs VOO -34.3%.
Should I hold both RAA and VOO?
RAA and VOO have a monthly-return correlation of -0.03, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RAA and VOO?
RAA and VOO share 139 common holdings with a 20.9% weight overlap. Combined, they hold 548 unique securities.
Which pays a higher dividend, RAA or VOO?
RAA yields 2.13% while VOO yields 1.08%, so RAA currently pays the higher dividend yield.
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