RAYC vs VTI
Rayliant Quantamental China Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RAYC or VTI?
All Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. RAYC led over 1Y, VTI over 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 | RAYC | VTI |
|---|---|---|
| Expense Ratio | 0.80% | 0.03%Best |
| AUM | $82M | $666.9B |
| Dividend Yield | 5.19% | 1.07% |
| Holdings | 76 | 3,543 |
| Volatility (annualized) | 22.0% | 15.5%Best |
| Max Drawdown | -57.6% | -25.4%Best |
| $10,000 over 4.9 years | $7,575 | $18,470Best |
| Fund Family | The Advisors Inner Circle Fund | Vanguard (US) |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Blend |
| Inception | Dec 30, 2020 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 280 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. RAYC has data through Nov 28, 2025 and VTI through Sep 4, 2026.
Volatility and max drawdown, and the $10,000 over 4.9 years row, are measured over the window both funds cover: Dec 31, 2020 to Nov 28, 2025 (4.9 years).
Risk: Volatility and Drawdowns
RAYC has been the more volatile fund, with annualized monthly volatility of 22.0% compared with 15.5% 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 -57.6% for RAYC and -25.4% 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 0.20. They move largely independently of each other.
Fees and Cost Over Time
RAYC charges 0.80% per year while VTI 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 1.07% for VTI.
Holdings Overlap
We hold position weights for 72 holdings in RAYC and 2,787 in VTI, totalling 96.2% and 92.3% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 273 days apart, RAYC as of Sep 30, 2025 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.
0 positions in common, counted across the 72 positions we hold weights for in RAYC and 2,787 in VTI, against full books of 76 and 3,543.
You are not choosing between two funds in isolation.
Whichever of RAYC and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RAYC or VTI?
RAYC has an expense ratio of 0.80% while VTI charges 0.03%. VTI is the cheaper option, by $77 a year on a $10,000 investment.
Which is riskier, RAYC or VTI?
RAYC has been the more volatile fund at 22.0% annualized versus 15.5% for VTI. Worst drawdown: RAYC -57.6% vs VTI -25.4%.
Should I hold both RAYC and VTI?
RAYC and VTI have a monthly-return correlation of 0.20, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, RAYC or VTI?
RAYC yields 5.19% while VTI yields 1.07%, so RAYC currently pays the higher dividend yield.
Is VTI better than RAYC?
VTI has a lower expense ratio. RAYC led over 1Y, VTI over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.