RILA vs VOO
Indexperts Gorilla Aggressive Growth 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 509 holdings.
Side-by-Side Comparison
| Metric | RILA | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $46M | $997.4B | |
| Dividend Yield | 0.11% | 1.08% | |
| Holdings | 172 | 509 | |
| YTD Return | +6.81% | +12.68% | |
| 1Y Return | +9.89% | +21.87% | |
| 3Y Return (annualized) | - | +22.06% | |
| 5Y Return (annualized) | - | +12.95% | |
| Volatility (annualized) | 15.7% | 14.1% | |
| Max Drawdown | -20.0% | -34.3% | |
| Fund Family | Indexperts | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Dec 31, 2024 | Sep 7, 2010 |
RILA vs VOO Performance
Indexperts Gorilla Aggressive Growth ETF (RILA) is a ETF from Indexperts and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year RILA returned +9.89% while VOO returned +21.87%. Year to date, RILA is up 6.81% versus a gain of 12.68% for VOO.
Risk: Volatility and Drawdowns
RILA has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 14.1% for VOO. 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 -20.0% for RILA 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RILA charges 0.50% per year while VOO 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, RILA currently yields 0.11% against 1.08% for VOO.
Holdings Overlap
RILA and VOO share 71 holdings out of 604 unique holdings combined, representing a 28.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RILA or VOO?
RILA has an expense ratio of 0.50% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, RILA or VOO?
Over the past year RILA returned +9.89% vs +21.87% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), RILA annualized +13.28% vs +13.47% for VOO. Past performance does not guarantee future results.
Which is riskier, RILA or VOO?
RILA has been the more volatile fund at 15.7% annualized versus 14.1% for VOO. Worst drawdown: RILA -20.0% vs VOO -34.3%.
Should I hold both RILA and VOO?
RILA and VOO have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RILA and VOO?
RILA and VOO share 71 common holdings with a 28.3% weight overlap. Combined, they hold 604 unique securities.
Which pays a higher dividend, RILA or VOO?
RILA yields 0.11% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
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