RISR vs VTI
FolioBeyond Alternative Income and Interest Rate Hedge 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 | RISR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.04% | 0.03% | |
| AUM | $319M | $666.9B | |
| Dividend Yield | 6.38% | 1.07% | |
| Holdings | 143 | 3,543 | |
| YTD Return | +5.97% | +12.65% | |
| 1Y Return | +5.56% | +21.39% | |
| 3Y Return (annualized) | +9.87% | +21.54% | |
| 5Y Return (annualized) | +14.45% | +12.11% | |
| Volatility (annualized) | 10.2% | 15.3% | |
| Max Drawdown | -14.3% | -56.6% | |
| Fund Family | FolioBeyond | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 30, 2021 | May 24, 2001 |
RISR vs VTI Performance
FolioBeyond Alternative Income and Interest Rate Hedge ETF (RISR) is a ETF from FolioBeyond and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RISR returned +5.56% while VTI returned +21.39%. Year to date, RISR is up 5.97% versus a gain of 12.65% for VTI.
Over three years, RISR compounded at +9.87% per year against +21.54% for VTI; over five years the annualized figures are +14.45% and +12.11% respectively. Across the full 5-year window we track, RISR has the edge at +14.45% annualized vs +8.07%. 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 10.2% for RISR. 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 -14.3% for RISR 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 -0.61. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RISR charges 1.04% per year while VTI charges 0.03%. On a $10,000 position that is $104 vs $3 annually, a gap of $101 per year that compounds over a long holding period. On income, RISR currently yields 6.38% against 1.07% for VTI.
Holdings Overlap
RISR 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, RISR or VTI?
RISR has an expense ratio of 1.04% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $101 per year of difference.
Which performed better, RISR or VTI?
Over the past year RISR returned +5.56% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), RISR annualized +14.45% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, RISR or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.2% for RISR. Worst drawdown: RISR -14.3% vs VTI -56.6%.
Should I hold both RISR and VTI?
RISR and VTI have a monthly-return correlation of -0.61, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RISR and VTI?
RISR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, RISR or VTI?
RISR yields 6.38% while VTI yields 1.07%, so RISR currently pays the higher dividend yield.
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