RAYD vs VTI
Rayliant Quantitative Developed Market Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RAYD or VTI?
RAYD has been ahead.
VTI has a lower expense ratio. RAYD led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94.
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 | RAYD | VTI |
|---|---|---|
| Expense Ratio | 0.80% | 0.03%Best |
| AUM | $57M | $666.9B |
| Dividend Yield | 0.82% | 1.07% |
| Holdings | 117 | 3,543 |
| Volatility (annualized) | 14.5%Best | 16.4% |
| Max Drawdown | -21.0%Best | -25.4% |
| $10,000 over 4 years | $15,814Best | $15,055 |
| Fund Family | The Advisors Inner Circle Fund | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Dec 15, 2021 | 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 259 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. RAYD has data through Dec 19, 2025 and VTI through Sep 4, 2026.
Volatility and max drawdown, and the $10,000 over 4 years row, are measured over the window both funds cover: Dec 16, 2021 to Dec 19, 2025 (4 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.4% compared with 14.5% for RAYD. 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 -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 0.94. 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 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, RAYD currently yields 0.82% against 1.07% for VTI.
Holdings Overlap
At least 74.8% of RAYD's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of RAYD is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 273 days apart, RAYD 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.
58 positions in common, counted across the 104 positions we hold weights for in RAYD and 2,787 in VTI, against full books of 117 and 3,543.
Top Shared Holdings
| Stock | Weight in RAYD | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 7.42% | 6.32% | 1.10% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 5.38% | 3.81% | 1.57% |
| AAPLApple, Inc | 2.65% | 5.84% | 3.19% |
| AMZNAmazon.Com Inc | 3.29% | 3.17% | 0.12% |
| GOOGLAlphabet Inc.Class A | 3.18% | 2.88% | 0.30% |
| MAMastercard Inc | 2.93% | 0.56% | 2.37% |
| LRCXLam Research Corp | 2.41% | 0.74% | 1.67% |
| VVisa Inc Class A | 2.06% | 0.77% | 1.29% |
| LLYEli Lilly & Company | 1.34% | 1.40% | 0.06% |
| ADBEAdobe Systems | 2.14% | 0.11% | 2.03% |
74.8% of RAYD 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.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RAYD or VTI?
RAYD 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, RAYD or VTI?
VTI has been the more volatile fund at 16.4% annualized versus 14.5% for RAYD. Worst drawdown: RAYD -21.0% vs VTI -25.4%.
Should I hold both RAYD and VTI?
RAYD and VTI have a monthly-return correlation of 0.94, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between RAYD and VTI?
At least 74.8% of RAYD's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 58 positions in common, counted across the 104 positions we hold weights for in RAYD and 2,787 in VTI.
Which pays a higher dividend, RAYD or VTI?
RAYD yields 0.82% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
Is VTI better than RAYD?
VTI has a lower expense ratio. RAYD led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. Which one suits a particular account depends on what it is for. This is information, not a recommendation.