RAYE vs VTI
Rayliant Quantamental Emerging Market ex-China 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 | RAYE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.88% | 0.03% | |
| AUM | $37M | $663.5B | |
| Dividend Yield | 2.93% | 1.07% | |
| Holdings | 119 | 3,543 | |
| YTD Return | +22.31% | +14.22% | |
| 1Y Return | +16.38% | +22.19% | |
| 3Y Return (annualized) | +15.15% | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 15.7% | 15.3% | |
| Max Drawdown | -26.9% | -56.6% | |
| Fund Family | The Advisors Inner Circle Fund | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 15, 2021 | May 24, 2001 |
RAYE vs VTI Performance
Rayliant Quantamental Emerging Market ex-China Equity ETF (RAYE) 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 RAYE returned +16.38% while VTI returned +22.19%. Year to date, RAYE is up 22.31% versus a gain of 14.22% for VTI.
Over three years, RAYE compounded at +15.15% per year against +21.27% for VTI. Across the full 4-year window we track, VTI has the edge at +8.14% annualized vs +5.35%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RAYE has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 15.3% 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 -26.9% for RAYE 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RAYE charges 0.88% per year while VTI charges 0.03%. On a $10,000 position that is $88 vs $3 annually, a gap of $85 per year that compounds over a long holding period. On income, RAYE currently yields 2.93% against 1.07% for VTI.
Holdings Overlap
RAYE and VTI share 3 holdings out of 2878 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, RAYE or VTI?
RAYE has an expense ratio of 0.88% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $85 per year of difference.
Which performed better, RAYE or VTI?
Over the past year RAYE returned +16.38% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), RAYE annualized +5.35% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, RAYE or VTI?
RAYE has been the more volatile fund at 15.7% annualized versus 15.3% for VTI. Worst drawdown: RAYE -26.9% vs VTI -56.6%.
Should I hold both RAYE and VTI?
RAYE and VTI have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RAYE and VTI?
RAYE and VTI share 3 common holdings with a 0.0% weight overlap. Combined, they hold 2878 unique securities.
Which pays a higher dividend, RAYE or VTI?
RAYE yields 2.93% while VTI yields 1.07%, so RAYE currently pays the higher dividend yield.
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