RAYC vs VOO
RAYC vs VOO
Rayliant Quantamental China Equity 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 505 holdings.
Side-by-Side Comparison
| Metric | RAYC | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.03% | |
| AUM | $82M | $979.0B | |
| Dividend Yield | 5.19% | 1.09% | |
| Holdings | 76 | 509 | |
| YTD Return | +31.98% | +13.80% | |
| 1Y Return | +22.93% | +23.71% | |
| 3Y Return (annualized) | +2.77% | +21.50% | |
| 5Y Return (annualized) | -5.51% | +13.44% | |
| Volatility (annualized) | 22.0% | 14.1% | |
| Max Drawdown | -57.6% | -34.3% | |
| Fund Family | The Advisors Inner Circle Fund | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 30, 2020 | Sep 7, 2010 |
RAYC vs VOO Performance
Rayliant Quantamental China Equity ETF (RAYC) is a ETF from The Advisors Inner Circle Fund and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year RAYC returned +22.93% while VOO returned +23.71%. Year to date, RAYC is up 31.98% versus a gain of 13.80% for VOO.
Over three years, RAYC compounded at +2.77% per year against +21.50% for VOO; over five years the annualized figures are -5.51% and +13.44% respectively. Across the full 5-year window we track, VOO has the edge at +13.58% annualized vs -5.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RAYC has been the more volatile fund, with annualized monthly volatility of 22.0% 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 -57.6% for RAYC 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 0.18. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RAYC charges 0.80% per year while VOO charges 0.03%. On a $10,000 position that is $80 vs $3 annually, a gap of $77 per year that compounds over a long holding period. On income, RAYC currently yields 5.19% against 1.09% for VOO.
Holdings Overlap
RAYC and VOO share 0 holdings out of 577 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RAYC or VOO?
RAYC has an expense ratio of 0.80% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $77 per year of difference.
Which performed better, RAYC or VOO?
Over the past year RAYC returned +22.93% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (5 years), RAYC annualized -5.51% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, RAYC or VOO?
RAYC has been the more volatile fund at 22.0% annualized versus 14.1% for VOO. Worst drawdown: RAYC -57.6% vs VOO -34.3%.
Should I hold both RAYC and VOO?
RAYC and VOO have a monthly-return correlation of 0.18, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RAYC and VOO?
RAYC and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 577 unique securities.
Which pays a higher dividend, RAYC or VOO?
RAYC yields 5.19% while VOO yields 1.09%, so RAYC currently pays the higher dividend yield.
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