REFA vs VTI
Columbia Research Enhanced International Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | REFA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.32% | 0.03% | |
| AUM | $6M | $666.9B | |
| Dividend Yield | 0.03% | 1.07% | |
| Holdings | 215 | 3,543 | |
| YTD Return | +14.91% | +13.14% | |
| 1Y Return | - | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -11.2% | -56.6% | |
| Fund Family | Columbia Threadneedle Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 11, 2025 | May 24, 2001 |
REFA vs VTI Performance
Columbia Research Enhanced International Equity ETF (REFA) is a ETF from Columbia Threadneedle Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, REFA is up 14.91% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -11.2% for REFA and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
REFA charges 0.32% per year while VTI charges 0.03%. On a $10,000 position that is $32 vs $3 annually, a gap of $29 per year that compounds over a long holding period. On income, REFA currently yields 0.03% against 1.07% for VTI.
Holdings Overlap
REFA and VTI share 1 holdings out of 2996 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 REFA | Weight in VTI | Difference |
|---|---|---|---|
| SGP:AU | 0.11% | 0.00% | 0.11% |
Frequently Asked Questions
Which is cheaper, REFA or VTI?
REFA has an expense ratio of 0.32% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
What is the holdings overlap between REFA and VTI?
REFA and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2996 unique securities.
Which pays a higher dividend, REFA or VTI?
REFA yields 0.03% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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