RDFI vs VTI
Rareview Dynamic Fixed Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RDFI or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% 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 | VTI |
|---|---|---|
| Expense Ratio | 4.23% | 0.03%Best |
| AUM | $87M | $666.9B |
| Dividend Yield | 8.32% | 1.03% |
| Holdings | 40 | 3,543 |
| YTD Return | -9.61% | +11.95%Best |
| 1Y Return | -8.93% | +15.05%Best |
| 3Y Return (annualized) | +7.65% | +22.32%Best |
| 5Y Return (annualized) | +0.25% | +12.50%Best |
| Volatility (annualized) | 11.1%Best | 15.7% |
| Max Drawdown | -23.7%Best | -25.4% |
| $10,000 over 5 years | $10,126 | $18,020Best |
| Top 10 Weight | 45.1% | 33.3%Best |
| Fund Family | Rareview Capital | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Oct 21, 2020 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Oct 21, 2020 to Sep 30, 2026 (5.9 years).
RDFI vs VTI 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 VTI Performance
Rareview Dynamic Fixed Income ETF (RDFI) is an ETF from Rareview Capital and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year RDFI returned -8.93% while VTI returned +15.05%. Year to date, RDFI is down 9.61% versus a gain of 11.95% for VTI.
Over three years, RDFI compounded at +7.65% per year against +22.32% for VTI; over five years the annualized figures are +0.25% and +12.50% respectively. Across the full 6-year window we track, VTI has the edge at +15.12% annualized vs +3.68%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 11.1% 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 -25.4% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.73. 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 8.32% against 1.03% for VTI.
Holdings Overlap
3.7% of RDFI's money is in holdings VTI also owns.
RDFI and VTI share little of their money.
1 positions in common, counted across the 37 positions we hold weights for in RDFI and 3,463 in VTI, against full books of 40 and 3,543.
What only one of them owns
Measured across the 37 and 3,463 positions we hold weights for.
VTI holds 1,150 positions RDFI does not, 97.5% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
Top Shared Holdings
| Stock | Weight in RDFI | Weight in VTI | Difference |
|---|---|---|---|
| MHDBlackrock Muniholdings Fund | 3.69% | 0.00% | 3.69% |
You are not choosing between two funds in isolation.
Whichever of RDFI and VTI 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 VTI?
RDFI has an expense ratio of 4.23% while VTI charges 0.03%. VTI is the cheaper option, by $420 a year on a $10,000 investment.
Which performed better, RDFI or VTI?
Over the past year RDFI returned -8.93% vs +15.05% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), RDFI annualized +3.68% vs +15.12% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RDFI or VTI?
VTI has been the more volatile fund at 15.7% annualized versus 11.1% for RDFI. Worst drawdown: RDFI -23.7% vs VTI -25.4%.
Should I hold both RDFI and VTI?
RDFI and VTI have a monthly-return correlation of 0.73, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between RDFI and VTI?
3.7% of RDFI's money is in holdings VTI also owns. 0.0% of VTI's is in holdings RDFI also owns. They hold 1 positions in common, counted across the 37 positions we hold weights for in RDFI and 3,463 in VTI.
Which pays a higher dividend, RDFI or VTI?
RDFI yields 8.32% while VTI yields 1.03%, so RDFI currently pays the higher dividend yield.
Is VTI better than RDFI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% 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.