RDIV vs VTI
Invesco S&P Ultra Dividend Revenue ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. RDIV delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | RDIV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $1.4B | $663.5B | |
| Dividend Yield | 3.73% | 1.07% | |
| Holdings | 63 | 3,543 | |
| YTD Return | +21.38% | +14.22% | |
| 1Y Return | +32.80% | +22.19% | |
| 3Y Return (annualized) | +20.44% | +21.27% | |
| 5Y Return (annualized) | +12.84% | +12.23% | |
| Volatility (annualized) | 19.1% | 15.3% | |
| Max Drawdown | -50.9% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 30, 2013 | May 24, 2001 |
RDIV vs VTI Performance
Invesco S&P Ultra Dividend Revenue ETF (RDIV) is a ETF from Invesco (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RDIV returned +32.80% while VTI returned +22.19%. Year to date, RDIV is up 21.38% versus a gain of 14.22% for VTI.
Over three years, RDIV compounded at +20.44% per year against +21.27% for VTI; over five years the annualized figures are +12.84% and +12.23% respectively. Across the full 13-year window we track, RDIV has the edge at +9.12% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RDIV has been the more volatile fund, with annualized monthly volatility of 19.1% 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 -50.9% for RDIV 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RDIV charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, RDIV currently yields 3.73% against 1.07% for VTI.
Holdings Overlap
RDIV and VTI share 46 holdings out of 2797 unique holdings combined, representing a 2.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RDIV or VTI?
RDIV has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, RDIV or VTI?
Over the past year RDIV returned +32.80% vs +22.19% for VTI, so RDIV leads on 1-year performance. Over the longest common window we track (13 years), RDIV annualized +9.12% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, RDIV or VTI?
RDIV has been the more volatile fund at 19.1% annualized versus 15.3% for VTI. Worst drawdown: RDIV -50.9% vs VTI -56.6%.
Should I hold both RDIV and VTI?
RDIV and VTI have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RDIV and VTI?
RDIV and VTI share 46 common holdings with a 2.3% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, RDIV or VTI?
RDIV yields 3.73% while VTI yields 1.07%, so RDIV currently pays the higher dividend yield.
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