RFIX vs VTI
Simplify Bond Bull 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 | RFIX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $47M | $663.5B | |
| Dividend Yield | 4.31% | 1.07% | |
| Holdings | 12 | 3,543 | |
| YTD Return | +0.06% | +14.22% | |
| 1Y Return | -13.04% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 20.9% | 15.3% | |
| Max Drawdown | -38.8% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Dec 9, 2024 | May 24, 2001 |
RFIX vs VTI Performance
Simplify Bond Bull ETF (RFIX) is a ETF from Simplify Exchange Traded Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RFIX returned -13.04% while VTI returned +22.19%. Year to date, RFIX is up 0.06% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
RFIX has been the more volatile fund, with annualized monthly volatility of 20.9% 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 -38.8% for RFIX 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 -0.13. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RFIX charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, RFIX currently yields 4.31% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, RFIX or VTI?
RFIX has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, RFIX or VTI?
Over the past year RFIX returned -13.04% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), RFIX annualized -23.44% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, RFIX or VTI?
RFIX has been the more volatile fund at 20.9% annualized versus 15.3% for VTI. Worst drawdown: RFIX -38.8% vs VTI -56.6%.
Should I hold both RFIX and VTI?
RFIX and VTI have a monthly-return correlation of -0.13, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, RFIX or VTI?
RFIX yields 4.31% while VTI yields 1.07%, so RFIX currently pays the higher dividend yield.
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