RJMI vs VTI
RJ Eagle Municipal Income 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 | RJMI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.41% | 0.03% | |
| AUM | $38M | $666.9B | |
| Dividend Yield | 2.60% | 1.07% | |
| Holdings | 118 | 3,543 | |
| YTD Return | +0.01% | +13.14% | |
| 1Y Return | +2.90% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -3.0% | -56.6% | |
| Fund Family | Raymond James Financial, Inc. | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 2, 2025 | May 24, 2001 |
RJMI vs VTI Performance
RJ Eagle Municipal Income ETF (RJMI) is a ETF from Raymond James Financial, Inc. and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RJMI returned +2.90% while VTI returned +22.35%. Year to date, RJMI is up 0.01% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -3.0% for RJMI and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
RJMI charges 0.41% per year while VTI charges 0.03%. On a $10,000 position that is $41 vs $3 annually, a gap of $38 per year that compounds over a long holding period. On income, RJMI currently yields 2.60% against 1.07% for VTI.
Holdings Overlap
RJMI and VTI share 0 holdings out of 2810 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, RJMI or VTI?
RJMI has an expense ratio of 0.41% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $38 per year of difference.
Which performed better, RJMI or VTI?
Over the past year RJMI returned +2.90% vs +22.35% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between RJMI and VTI?
RJMI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2810 unique securities.
Which pays a higher dividend, RJMI or VTI?
RJMI yields 2.60% while VTI yields 1.07%, so RJMI currently pays the higher dividend yield.
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