RINF vs VTI
ProShares Inflation Expectations ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | RINF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $18M | $666.9B | |
| Dividend Yield | 3.63% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +2.90% | +14.82% | |
| 1Y Return | +3.69% | +22.43% | |
| 3Y Return (annualized) | +3.31% | +21.93% | |
| 5Y Return (annualized) | +5.69% | +12.34% | |
| Volatility (annualized) | 10.3% | 15.4% | |
| Max Drawdown | -50.9% | -56.6% | |
| Fund Family | ProShares | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 10, 2012 | May 24, 2001 |
RINF vs VTI Performance
ProShares Inflation Expectations ETF (RINF) is a ETF from ProShares and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RINF returned +3.69% while VTI returned +22.43%. Year to date, RINF is up 2.90% versus a gain of 14.82% for VTI.
Over three years, RINF compounded at +3.31% per year against +21.93% for VTI; over five years the annualized figures are +5.69% and +12.34% respectively. Across the full 15-year window we track, VTI has the edge at +8.16% annualized vs -0.04%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 10.3% for RINF. 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 -50.9% for RINF 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 0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RINF charges 0.30% per year while VTI charges 0.03%. On a $10,000 position that is $30 vs $3 annually, a gap of $27 per year that compounds over a long holding period. On income, RINF currently yields 3.63% against 1.07% for VTI.
Holdings Overlap
RINF and VTI share 0 holdings out of 2788 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, RINF or VTI?
RINF has an expense ratio of 0.30% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $27 per year of difference.
Which performed better, RINF or VTI?
Over the past year RINF returned +3.69% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (15 years), RINF annualized -0.04% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, RINF or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 10.3% for RINF. Worst drawdown: RINF -50.9% vs VTI -56.6%.
Should I hold both RINF and VTI?
RINF and VTI have a monthly-return correlation of 0.41, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RINF and VTI?
RINF and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, RINF or VTI?
RINF yields 3.63% while VTI yields 1.07%, so RINF currently pays the higher dividend yield.
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