RDFI vs VTI
Rareview Dynamic Fixed Income 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 | RDFI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 4.23% | 0.03% | |
| AUM | $84M | $663.5B | |
| Dividend Yield | 8.16% | 1.07% | |
| Holdings | 41 | 3,543 | |
| YTD Return | -2.25% | +13.87% | |
| 1Y Return | +1.13% | +23.31% | |
| 3Y Return (annualized) | +8.33% | +21.17% | |
| 5Y Return (annualized) | +1.69% | +12.23% | |
| Volatility (annualized) | 10.8% | 15.3% | |
| Max Drawdown | -23.7% | -56.6% | |
| Fund Family | Rareview Capital | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 21, 2020 | May 24, 2001 |
RDFI vs VTI Performance
Rareview Dynamic Fixed Income ETF (RDFI) is a ETF from Rareview Capital and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RDFI returned +1.13% while VTI returned +23.31%. Year to date, RDFI is down 2.25% versus a gain of 13.87% for VTI.
Over three years, RDFI compounded at +8.33% per year against +21.17% for VTI; over five years the annualized figures are +1.69% and +12.23% respectively. Across the full 6-year window we track, VTI has the edge at +8.13% annualized vs +5.18%. 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 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 -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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RDFI charges 4.23% per year while VTI 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 1.07% for VTI.
Holdings Overlap
RDFI and VTI share 1 holdings out of 2815 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RDFI | Weight in VTI | Difference |
|---|---|---|---|
| MHD | 3.39% | 0.00% | 3.39% |
Frequently Asked Questions
Which is cheaper, RDFI or VTI?
RDFI has an expense ratio of 4.23% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $420 per year of difference.
Which performed better, RDFI or VTI?
Over the past year RDFI returned +1.13% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), RDFI annualized +5.18% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, RDFI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.8% for RDFI. Worst drawdown: RDFI -23.7% vs VTI -56.6%.
Should I hold both RDFI and VTI?
RDFI and VTI have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RDFI and VTI?
RDFI and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2815 unique securities.
Which pays a higher dividend, RDFI or VTI?
RDFI yields 8.16% while VTI yields 1.07%, so RDFI currently pays the higher dividend yield.
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