RFCI vs VOO
ALPS Dynamic Core 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 | RFCI | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.51% | 0.03% | |
| AUM | $15M | $979.0B | |
| Dividend Yield | 4.54% | 1.09% | |
| Holdings | 47 | 509 | |
| YTD Return | -0.03% | +13.44% | |
| 1Y Return | +1.97% | +22.62% | |
| 3Y Return (annualized) | +4.77% | +21.47% | |
| 5Y Return (annualized) | +1.40% | +13.27% | |
| Volatility (annualized) | 4.3% | 14.1% | |
| Max Drawdown | -13.2% | -34.3% | |
| Fund Family | ALPS Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 13, 2016 | Sep 7, 2010 |
RFCI vs VOO Performance
ALPS Dynamic Core Income ETF (RFCI) is a ETF from ALPS Advisors and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year RFCI returned +1.97% while VOO returned +22.62%. Year to date, RFCI is down 0.03% versus a gain of 13.44% for VOO.
Over three years, RFCI compounded at +4.77% per year against +21.47% for VOO; over five years the annualized figures are +1.40% and +13.27% respectively. Across the full 10-year window we track, VOO has the edge at +13.55% annualized vs +1.05%. 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 4.3% for RFCI. 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 -13.2% for RFCI 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RFCI charges 0.51% per year while VOO charges 0.03%. On a $10,000 position that is $51 vs $3 annually, a gap of $48 per year that compounds over a long holding period. On income, RFCI currently yields 4.54% against 1.09% for VOO.
Holdings Overlap
RFCI and VOO share 0 holdings out of 543 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, RFCI or VOO?
RFCI has an expense ratio of 0.51% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $48 per year of difference.
Which performed better, RFCI or VOO?
Over the past year RFCI returned +1.97% vs +22.62% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (10 years), RFCI annualized +1.05% vs +13.55% for VOO. Past performance does not guarantee future results.
Which is riskier, RFCI or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 4.3% for RFCI. Worst drawdown: RFCI -13.2% vs VOO -34.3%.
Should I hold both RFCI and VOO?
RFCI and VOO have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RFCI and VOO?
RFCI and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 543 unique securities.
Which pays a higher dividend, RFCI or VOO?
RFCI yields 4.54% while VOO yields 1.09%, so RFCI currently pays the higher dividend yield.
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