RAYD vs VTI
Rayliant Quantitative Developed Market Equity ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | RAYD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.03% | |
| AUM | $57M | $663.5B | |
| Dividend Yield | 0.82% | 1.07% | |
| Holdings | 117 | 3,543 | |
| YTD Return | +21.80% | +14.16% | |
| 1Y Return | +19.90% | +23.62% | |
| 3Y Return (annualized) | +21.04% | +21.43% | |
| 5Y Return (annualized) | - | +12.33% | |
| Volatility (annualized) | 14.5% | 15.3% | |
| Max Drawdown | -21.0% | -56.6% | |
| Fund Family | The Advisors Inner Circle Fund | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 15, 2021 | May 24, 2001 |
RAYD vs VTI Performance
Rayliant Quantitative Developed Market Equity ETF (RAYD) is a ETF from The Advisors Inner Circle Fund and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RAYD returned +19.90% while VTI returned +23.62%. Year to date, RAYD is up 21.80% versus a gain of 14.16% for VTI.
Over three years, RAYD compounded at +21.04% per year against +21.43% for VTI. Across the full 4-year window we track, RAYD has the edge at +12.14% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -56.6% for VTI. 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 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
RAYD and VTI share 58 holdings out of 2829 unique holdings combined, representing a 26.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $77 per year of difference.
Which performed better, RAYD or VTI?
Over the past year RAYD returned +19.90% vs +23.62% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), RAYD annualized +12.14% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, RAYD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.5% for RAYD. Worst drawdown: RAYD -21.0% vs VTI -56.6%.
Should I hold both RAYD and VTI?
RAYD and VTI 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 VTI?
RAYD and VTI share 58 common holdings with a 26.8% weight overlap. Combined, they hold 2829 unique securities.
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.
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