RDFI vs VOO
Rareview Dynamic Fixed Income 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 | RDFI | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 4.23% | 0.03% | |
| AUM | $84M | $979.0B | |
| Dividend Yield | 8.16% | 1.09% | |
| Holdings | 41 | 509 | |
| YTD Return | -2.22% | +13.80% | |
| 1Y Return | +1.13% | +23.71% | |
| 3Y Return (annualized) | +8.30% | +21.50% | |
| 5Y Return (annualized) | +1.77% | +13.44% | |
| Volatility (annualized) | 10.8% | 14.1% | |
| Max Drawdown | -23.7% | -34.3% | |
| Fund Family | Rareview Capital | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 21, 2020 | Sep 7, 2010 |
RDFI vs VOO Performance
Rareview Dynamic Fixed Income ETF (RDFI) is a ETF from Rareview Capital and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year RDFI returned +1.13% while VOO returned +23.71%. Year to date, RDFI is down 2.22% versus a gain of 13.80% for VOO.
Over three years, RDFI compounded at +8.30% per year against +21.50% for VOO; over five years the annualized figures are +1.77% and +13.44% respectively. Across the full 6-year window we track, VOO has the edge at +13.58% annualized vs +5.20%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 10.8% 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 -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 0.72. 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 8.16% against 1.09% for VOO.
Holdings Overlap
RDFI and VOO share 0 holdings out of 538 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, RDFI or VOO?
RDFI has an expense ratio of 4.23% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $420 per year of difference.
Which performed better, RDFI or VOO?
Over the past year RDFI returned +1.13% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (6 years), RDFI annualized +5.20% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, RDFI or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 10.8% for RDFI. Worst drawdown: RDFI -23.7% vs VOO -34.3%.
Should I hold both RDFI and VOO?
RDFI and VOO have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RDFI and VOO?
RDFI and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 538 unique securities.
Which pays a higher dividend, RDFI or VOO?
RDFI yields 8.16% while VOO yields 1.09%, so RDFI currently pays the higher dividend yield.
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