RDFI vs VOO
Rareview Dynamic Fixed Income ETF vs Vanguard S&P 500 ETF
Which is better, RDFI or VOO?
VOO has been ahead.
VOO has a lower expense ratio. VOO led over 1Y, 3Y, 5Y and the full window. VOO is less concentrated, with 37.6% of the fund in its ten largest positions against 45.1%.
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 | RDFI | VOO |
|---|---|---|
| Expense Ratio | 4.23% | 0.03%Best |
| AUM | $87M | $997.4B |
| Dividend Yield | 8.32% | 1.04% |
| Holdings | 40 | 509 |
| YTD Return | -6.92% | +12.37%Best |
| 1Y Return | -7.01% | +16.61%Best |
| 3Y Return (annualized) | +7.31% | +21.37%Best |
| 5Y Return (annualized) | +0.74% | +13.49%Best |
| Volatility (annualized) | 10.9%Best | 15.4% |
| Max Drawdown | -23.7%Best | -24.5% |
| $10,000 over 5 years | $10,376 | $18,827Best |
| Top 10 Weight | 45.1% | 37.6%Best |
| Fund Family | Rareview Capital | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Oct 21, 2020 | Sep 7, 2010 |
Volatility and max drawdown are measured over the window both funds cover: Oct 21, 2020 to Sep 18, 2026 (5.9 years).
RDFI vs VOO growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 5.9 years both funds cover.
RDFI vs VOO Performance
Rareview Dynamic Fixed Income ETF (RDFI) is an ETF from Rareview Capital and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year RDFI returned -7.01% while VOO returned +16.61%. Year to date, RDFI is down 6.92% versus a gain of 12.37% for VOO.
Over three years, RDFI compounded at +7.31% per year against +21.37% for VOO; over five years the annualized figures are +0.74% and +13.49% respectively. Across the full 6-year window we track, VOO has the edge at +16.05% annualized vs +4.22%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 10.9% for RDFI. 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 -23.7% for RDFI and -24.5% for VOO. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RDFI charges 4.23% per year while VOO charges 0.03%. On a $10,000 position that is $423 vs $3 annually, a gap of $420 per year that compounds over a long holding period. On income, RDFI currently yields 8.32% against 1.04% for VOO.
Holdings Overlap
We hold position weights for 37 holdings in RDFI and 494 in VOO, totalling 96.9% and 99.5% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 37 positions we hold weights for in RDFI and 494 in VOO, against full books of 40 and 509.
What only one of them owns
Measured across the 37 and 494 positions we hold weights for.
VOO holds 487 positions RDFI does not, 99.2% of the fund.
Largest: NVDA 7.55%, AAPL 7.05%, MSFT 5.36%, AMZN 4.13%, GOOGL 3.24%
You are not choosing between two funds in isolation.
Whichever of RDFI and VOO 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, RDFI or VOO?
RDFI has an expense ratio of 4.23% while VOO charges 0.03%. VOO is the cheaper option, by $420 a year on a $10,000 investment.
Which performed better, RDFI or VOO?
Over the past year RDFI returned -7.01% vs +16.61% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (6 years), RDFI annualized +4.22% vs +16.05% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RDFI or VOO?
VOO has been the more volatile fund at 15.4% annualized versus 10.9% for RDFI. Worst drawdown: RDFI -23.7% vs VOO -24.5%.
Should I hold both RDFI and VOO?
RDFI and VOO have a monthly-return correlation of 0.72, 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, RDFI or VOO?
RDFI yields 8.32% while VOO yields 1.04%, so RDFI currently pays the higher dividend yield.
Is VOO better than RDFI?
VOO has a lower expense ratio. VOO led over 1Y, 3Y, 5Y and the full window. VOO is less concentrated, with 37.6% of the fund in its ten largest positions against 45.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.