RFLR vs VTI
Innovator US Small Cap Managed Floor ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RFLR or VTI?
Each has led over a different period.
VTI has a lower expense ratio. RFLR led over 1Y, VTI over the full window.
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 | RFLR | VTI |
|---|---|---|
| Expense Ratio | 0.89% | 0.03%Best |
| AUM | $94M | $689.2B |
| Dividend Yield | 0.65% | 1.06% |
| Holdings | 1,675 | 3,542 |
| YTD Return | +11.86%Best | +11.74% |
| 1Y Return | +13.87%Best | +12.21% |
| 3Y Return (annualized) | - | +21.24% |
| 5Y Return (annualized) | - | +10.57% |
| Volatility (annualized) | 11.1%Best | 12.6% |
| Max Drawdown | -15.5%Best | -19.3% |
| $10,000 over 2.2 years | $12,928 | $13,867Best |
| Fund Family | Innovator ETFs Trust | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Sep 17, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.2 years row, are measured over the window both funds cover: Sep 17, 2024 to Nov 12, 2026 (2.2 years).
RFLR 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 2.2 years both funds cover.
RFLR vs VTI Performance
Innovator US Small Cap Managed Floor ETF (RFLR) is an ETF from Innovator ETFs Trust and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year RFLR returned +13.87% while VTI returned +12.21%. Year to date, RFLR is up 11.86% versus a gain of 11.74% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.6% compared with 11.1% for RFLR. 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 -15.5% for RFLR and -19.3% 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RFLR charges 0.89% per year while VTI charges 0.03%. On a $10,000 position that is $89 vs $3 annually, a gap of $86 per year that compounds over a long holding period. On income, RFLR currently yields 0.65% against 1.06% for VTI.
Holdings Overlap
At least 1.6% of VTI's money is in holdings RFLR also owns.
Stated as a floor: for RFLR, our book for it covers 90.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
VTI and RFLR share little of their money.
727 positions in common, counted across the 778 positions we hold weights for in RFLR and 3,464 in VTI, against full books of 1,675 and 3,542.
Top Shared Holdings
| Stock | Weight in RFLR | Weight in VTI | Difference |
|---|---|---|---|
| CVLTCommvaultsystems Inc. | 0.45% | 0.01% | 0.44% |
| SMSm Energy Co | 0.44% | 0.01% | 0.43% |
| PBFPbf Energy Inc | 0.44% | 0.01% | 0.43% |
| VRNSVaronis Systems Inc | 0.41% | 0.01% | 0.40% |
| TWSTTwist Bioscience Corp. | 0.34% | 0.02% | 0.32% |
| TENBTenable Holdings Inc | 0.35% | 0.01% | 0.34% |
| PARRPar Pacific Holdings Inc | 0.34% | 0.01% | 0.33% |
| GTLBGitlab Inc Cl A | 0.34% | 0.01% | 0.33% |
| FBPFirst Bancorp/puerto Rico | 0.30% | 0.01% | 0.29% |
| MMSIMerit Medical Systems Inc | 0.29% | 0.01% | 0.28% |
You are not choosing between two funds in isolation.
Whichever of RFLR 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, RFLR or VTI?
RFLR has an expense ratio of 0.89% while VTI charges 0.03%. VTI is the cheaper option, by $86 a year on a $10,000 investment.
Which performed better, RFLR or VTI?
Over the past year RFLR returned +13.87% vs +12.21% for VTI, so RFLR leads on 1-year performance. Over the longest common window we track (2 years), RFLR annualized +12.38% vs +16.02% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RFLR or VTI?
VTI has been the more volatile fund at 12.6% annualized versus 11.1% for RFLR. Worst drawdown: RFLR -15.5% vs VTI -19.3%.
Should I hold both RFLR and VTI?
RFLR and VTI have a monthly-return correlation of 0.72, 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 RFLR and VTI?
At least 1.6% of VTI's money is in holdings RFLR also owns. Our book for RFLR is partial, so the real figure is this or higher. They hold 727 positions in common, counted across the 778 positions we hold weights for in RFLR and 3,464 in VTI.
Which pays a higher dividend, RFLR or VTI?
RFLR yields 0.65% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than RFLR?
VTI has a lower expense ratio. RFLR led over 1Y, VTI over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.