RAA vs VTI
SMI 3Fourteen REAL Asset Allocation ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RAA or VTI?
Each has led over a different period.
VTI has a lower expense ratio. RAA led over 5Y, VTI over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 57.0%.
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 | RAA | VTI |
|---|---|---|
| Expense Ratio | 0.85% | 0.03%Best |
| AUM | $616M | $666.9B |
| Dividend Yield | 2.06% | 1.03% |
| Holdings | 185 | 3,543 |
| YTD Return | +9.65% | +11.53%Best |
| 1Y Return | +13.45% | +15.74%Best |
| 3Y Return (annualized) | +14.37% | +20.67%Best |
| 5Y Return (annualized) | +14.37%Best | +11.59% |
| Volatility (annualized) | 27.6% | 15.3%Best |
| Max Drawdown | -53.8%Best | -56.6% |
| $10,000 over 5 years | $19,569Best | $17,303 |
| Top 10 Weight | 57.0% | 33.3%Best |
| Fund Family | 3FourteenSMI | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 26, 2025 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Jun 1, 2001 to Sep 15, 2026 (25.3 years).
RAA vs VTI 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 25.3 years both funds cover.
RAA vs VTI Performance
SMI 3Fourteen REAL Asset Allocation ETF (RAA) is an ETF from 3FourteenSMI and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year RAA returned +13.45% while VTI returned +15.74%. Year to date, RAA is up 9.65% versus a gain of 11.53% for VTI.
Over three years, RAA compounded at +14.37% per year against +20.67% for VTI; over five years the annualized figures are +14.37% and +11.59% respectively. Across the full 25-year window we track, VTI has the edge at +8.00% annualized vs +6.53%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RAA has been the more volatile fund, with annualized monthly volatility of 27.6% compared with 15.3% for VTI. 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 -56.6% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.02. They move largely independently of each other.
Fees and Cost Over Time
RAA charges 0.85% per year while VTI 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 2.06% against 1.03% for VTI.
Holdings Overlap
28.6% of RAA's money is in holdings VTI also owns. 52.9% of VTI's money is in holdings RAA also owns.
The two portfolios partly overlap.
139 positions in common, counted across the 180 positions we hold weights for in RAA and 3,463 in VTI, against full books of 185 and 3,543.
What only one of them owns
Our book lists 1,011 positions for VTI that do not appear in our book for RAA (44.5% of the fund), and 25 for RAA that do not appear in VTI (67.9%).
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 RAA | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 1.34% | 6.40% | 5.06% |
| AAPLApple, Inc | 1.33% | 6.29% | 4.96% |
| MSFTMicrosoft Corp | 0.94% | 4.79% | 3.85% |
| AMZNAmazon.Com Inc | 0.63% | 3.65% | 3.02% |
| GOOGLAlphabet Inc,class A | 0.48% | 2.90% | 2.42% |
| AVGOBroadcom Inc | 0.45% | 2.56% | 2.11% |
| GOOGAlphabet Inc | 0.45% | 2.31% | 1.86% |
| METAMeta Platforms Inc | 0.43% | 1.70% | 1.27% |
| MUMicron Technology, Inc. | 0.81% | 1.29% | 0.48% |
| TSLATesla Inc | 0.47% | 1.22% | 0.75% |
52.9% of VTI is already inside RAA.
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, RAA or VTI?
RAA has an expense ratio of 0.85% while VTI charges 0.03%. VTI is the cheaper option, by $82 a year on a $10,000 investment.
Which performed better, RAA or VTI?
Over the past year RAA returned +13.45% vs +15.74% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (25 years), RAA annualized +6.53% vs +8.00% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RAA or VTI?
RAA has been the more volatile fund at 27.6% annualized versus 15.3% for VTI. Worst drawdown: RAA -53.8% vs VTI -56.6%.
Should I hold both RAA and VTI?
RAA and VTI have a monthly-return correlation of 0.02, 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 RAA and VTI?
52.9% of VTI's money is in holdings RAA also owns. 52.9% of VTI's is in holdings RAA also owns. They hold 139 positions in common, counted across the 180 positions we hold weights for in RAA and 3,463 in VTI.
Which pays a higher dividend, RAA or VTI?
RAA yields 2.06% while VTI yields 1.03%, so RAA currently pays the higher dividend yield.
Is VTI better than RAA?
VTI has a lower expense ratio. RAA led over 5Y, VTI over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 57.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.