RAYD vs VOO
Rayliant Quantitative Developed Market 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 | RAYD | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.03% | |
| AUM | $57M | $979.0B | |
| Dividend Yield | 0.82% | 1.09% | |
| Holdings | 117 | 509 | |
| YTD Return | +21.80% | +13.80% | |
| 1Y Return | +19.90% | +23.71% | |
| 3Y Return (annualized) | +21.04% | +21.50% | |
| 5Y Return (annualized) | - | +13.44% | |
| Volatility (annualized) | 14.5% | 14.1% | |
| Max Drawdown | -21.0% | -34.3% | |
| Fund Family | The Advisors Inner Circle Fund | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 15, 2021 | Sep 7, 2010 |
RAYD vs VOO Performance
Rayliant Quantitative Developed Market Equity ETF (RAYD) 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 RAYD returned +19.90% while VOO returned +23.71%. Year to date, RAYD is up 21.80% versus a gain of 13.80% for VOO.
Over three years, RAYD compounded at +21.04% per year against +21.50% for VOO. Across the full 4-year window we track, VOO has the edge at +13.58% annualized vs +12.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RAYD has been the more volatile fund, with annualized monthly volatility of 14.5% 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 -21.0% for RAYD 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
RAYD 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, RAYD currently yields 0.82% against 1.09% for VOO.
Holdings Overlap
RAYD and VOO share 42 holdings out of 567 unique holdings combined, representing a 29.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RAYD or VOO?
RAYD 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, RAYD or VOO?
Over the past year RAYD returned +19.90% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (4 years), RAYD annualized +12.14% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, RAYD or VOO?
RAYD has been the more volatile fund at 14.5% annualized versus 14.1% for VOO. Worst drawdown: RAYD -21.0% vs VOO -34.3%.
Should I hold both RAYD and VOO?
RAYD and VOO have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between RAYD and VOO?
RAYD and VOO share 42 common holdings with a 29.2% weight overlap. Combined, they hold 567 unique securities.
Which pays a higher dividend, RAYD or VOO?
RAYD yields 0.82% while VOO yields 1.09%, so VOO currently pays the higher dividend yield.
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