RILA vs VOO
Indexperts Gorilla Aggressive Growth ETF vs Vanguard S&P 500 ETF
Which is better, RILA or VOO?
Equity-oriented Balanced against Large Cap Blend.
VOO has a lower expense ratio. VOO led over 1Y and the full window. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 37.5%.
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 | RILA | VOO |
|---|---|---|
| Expense Ratio | 0.50% | 0.03%Best |
| AUM | $44M | $997.4B |
| Dividend Yield | 0.10% | 1.04% |
| Holdings | 171 | 509 |
| YTD Return | +4.43% | +12.50%Best |
| 1Y Return | +2.33% | +17.58%Best |
| 3Y Return (annualized) | - | +21.27% |
| 5Y Return (annualized) | - | +12.95% |
| Volatility (annualized) | 15.5% | 13.0%Best |
| Max Drawdown | -20.0% | -18.7%Best |
| $10,000 over 1.7 years | $11,998 | $13,337Best |
| Top 10 Weight | 37.5% | 36.4%Best |
| Fund Family | Indexperts | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Blend |
| Inception | Dec 31, 2024 | Sep 7, 2010 |
Volatility and max drawdown, and the $10,000 over 1.7 years row, are measured over the window both funds cover: Jan 2, 2025 to Sep 11, 2026 (1.7 years).
RILA vs VOO 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 1.7 years both funds cover.
RILA vs VOO Performance
Indexperts Gorilla Aggressive Growth ETF (RILA) is an ETF from Indexperts and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year RILA returned +2.33% while VOO returned +17.58%. Year to date, RILA is up 4.43% versus a gain of 12.50% for VOO.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RILA has been the more volatile fund, with annualized monthly volatility of 15.5% compared with 13.0% 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 -18.7% for VOO. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 0.10% against 1.04% for VOO.
Holdings Overlap
87.9% of RILA's money is in holdings VOO also owns. 35.2% of VOO's money is in holdings RILA also owns.
Most of RILA is already inside VOO. Owning both mostly buys the same companies twice.
The two holdings books were reported 49 days apart, RILA as of Aug 18, 2026 and VOO as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
71 positions in common, counted across the 170 positions we hold weights for in RILA and 505 in VOO, against full books of 171 and 509.
What only one of them owns
Our book lists 425 positions for VOO that do not appear in our book for RILA (64.3% of the fund), and 94 for RILA that do not appear in VOO (10.6%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in RILA | Weight in VOO | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 5.05% | 7.51% | 2.46% |
| AVGOBroadcom Inc | 4.84% | 2.77% | 2.07% |
| AMZNAmazon.Com Inc | 3.61% | 3.62% | 0.01% |
| LLYEli Lilly & Co. | 4.37% | 1.47% | 2.90% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 1.18% | 4.30% | 3.12% |
| PANWPalo Alto Networks Inc. | 4.64% | 0.43% | 4.21% |
| TSLATesla Inc | 3.03% | 1.84% | 1.19% |
| APHAmphenol Corp. Class A | 3.56% | 0.34% | 3.22% |
| KLACKla Corp. | 2.95% | 0.61% | 2.34% |
| METAMeta Platforms, Inc. | 1.53% | 1.92% | 0.39% |
87.9% of RILA is already inside VOO.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $47 a year on a $10,000 investment.
Which performed better, RILA or VOO?
Over the past year RILA returned +2.33% vs +17.58% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), RILA annualized +11.31% vs +18.46% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RILA or VOO?
RILA has been the more volatile fund at 15.5% annualized versus 13.0% for VOO. Worst drawdown: RILA -20.0% vs VOO -18.7%.
Should I hold both RILA and VOO?
RILA and VOO have a monthly-return correlation of 0.89, 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 RILA and VOO?
87.9% of RILA's money is in holdings VOO also owns. 35.2% of VOO's is in holdings RILA also owns. They hold 71 positions in common, counted across the 170 positions we hold weights for in RILA and 505 in VOO.
Which pays a higher dividend, RILA or VOO?
RILA yields 0.10% while VOO yields 1.04%, so VOO currently pays the higher dividend yield.
Is VOO better than RILA?
VOO has a lower expense ratio. VOO led over 1Y and the full window. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 37.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.