RISN vs VTI
Inspire Capital Appreciation 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 | RISN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.72% | 0.03% | |
| AUM | $73M | $666.9B | |
| Dividend Yield | 1.16% | 1.07% | |
| Holdings | 29 | 3,543 | |
| YTD Return | +8.53% | +13.38% | |
| 1Y Return | +12.09% | +21.12% | |
| 3Y Return (annualized) | +11.65% | +21.85% | |
| 5Y Return (annualized) | +4.20% | +12.44% | |
| Volatility (annualized) | 11.1% | 15.3% | |
| Max Drawdown | -21.9% | -56.6% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jul 15, 2020 | May 24, 2001 |
RISN vs VTI Performance
Inspire Capital Appreciation ETF (RISN) is a ETF from Inspire ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RISN returned +12.09% while VTI returned +21.12%. Year to date, RISN is up 8.53% versus a gain of 13.38% for VTI.
Over three years, RISN compounded at +11.65% per year against +21.85% for VTI; over five years the annualized figures are +4.20% and +12.44% respectively. Across the full 6-year window we track, VTI has the edge at +8.10% annualized vs +6.60%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.1% for RISN. 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 -21.9% for RISN 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RISN charges 0.72% per year while VTI charges 0.03%. On a $10,000 position that is $72 vs $3 annually, a gap of $69 per year that compounds over a long holding period. On income, RISN currently yields 1.16% against 1.07% for VTI.
Holdings Overlap
RISN and VTI share 20 holdings out of 2795 unique holdings combined, representing a 1.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RISN or VTI?
RISN has an expense ratio of 0.72% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, RISN or VTI?
Over the past year RISN returned +12.09% vs +21.12% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), RISN annualized +6.60% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, RISN or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.1% for RISN. Worst drawdown: RISN -21.9% vs VTI -56.6%.
Should I hold both RISN and VTI?
RISN and VTI have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RISN and VTI?
RISN and VTI share 20 common holdings with a 1.3% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, RISN or VTI?
RISN yields 1.16% while VTI yields 1.07%, so RISN currently pays the higher dividend yield.
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