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.
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 | +10.28% | +12.57%Best |
| 1Y Return | +14.62% | +17.22%Best |
| 3Y Return (annualized) | +14.91% | +20.87%Best |
| 5Y Return (annualized) | +14.91%Best | +11.86% |
| Volatility (annualized) | 27.6% | 15.3%Best |
| Max Drawdown | -53.8%Best | -56.6% |
| $10,000 over 5 years | $20,035Best | $17,514 |
| Fund Family | 3FourteenSMI | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 26, 2025 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jun 1, 2001 to Sep 11, 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 +14.62% while VTI returned +17.22%. Year to date, RAA is up 10.28% versus a gain of 12.57% for VTI.
Over three years, RAA compounded at +14.91% per year against +20.87% for VTI; over five years the annualized figures are +14.91% and +11.86% respectively. Across the full 25-year window we track, VTI has the edge at +8.05% annualized vs +6.56%.
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 0.01. 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
At least 28.0% of RAA's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
RAA and VTI share little of their money.
The two holdings books were reported 48 days apart, RAA as of Aug 17, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
132 positions in common, counted across the 181 positions we hold weights for in RAA and 2,787 in VTI, against full books of 185 and 3,543.
Top Shared Holdings
| Stock | Weight in RAA | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 1.38% | 6.32% | 4.94% |
| AAPLApple, Inc | 1.29% | 5.84% | 4.55% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 0.90% | 3.81% | 2.91% |
| AMZNAmazon.Com Inc | 0.63% | 3.17% | 2.54% |
| GOOGLAlphabet A Usd 0.001 | 0.49% | 2.88% | 2.39% |
| AVGOBroadcom Inc | 0.48% | 2.46% | 1.98% |
| GOOGAlphabet Inc | 0.46% | 2.27% | 1.81% |
| MUMicron Technology, Inc. | 0.86% | 1.79% | 0.93% |
| TSLATesla Inc | 0.43% | 1.63% | 1.20% |
| AMDAdvanced Micro Devices Inc. | 0.60% | 1.30% | 0.70% |
28.0% of RAA is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
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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 +14.62% vs +17.22% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (25 years), RAA annualized +6.56% vs +8.05% 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 0.01, 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?
At least 28.0% of RAA's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 132 positions in common, counted across the 181 positions we hold weights for in RAA and 2,787 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. Which one suits a particular account depends on what it is for. This is information, not a recommendation.