RLTY vs VTI
Cohen & Steers Real Estate Opportunities and Income Fund vs Vanguard Morningstar Total Stock Market ETF
Which is better, RLTY or VTI?
Debt-oriented balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
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 | RLTY | VTI |
|---|---|---|
| Expense Ratio | 1.19% | 0.03%Best |
| AUM | $260M | $666.9B |
| Dividend Yield | 7.85% | 1.03% |
| Holdings | 232 | 3,543 |
| YTD Return | +6.93% | +11.65%Best |
| 1Y Return | +3.25% | +17.34%Best |
| 3Y Return (annualized) | +11.78% | +20.35%Best |
| 5Y Return (annualized) | - | +11.72% |
| Volatility (annualized) | 23.2% | 15.9%Best |
| Max Drawdown | -35.4% | -22.4%Best |
| $10,000 over 4.5 years | $11,009 | $18,255Best |
| Fund Family | Cohen & Steers Funds | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Debt-oriented balanced | Large Cap Blend |
| Inception | Feb 24, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.5 years row, are measured over the window both funds cover: Feb 24, 2022 to Sep 10, 2026 (4.5 years).
RLTY vs VTI 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 4.5 years both funds cover.
RLTY vs VTI Performance
Cohen & Steers Real Estate Opportunities and Income Fund (RLTY) is an ETF from Cohen & Steers Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year RLTY returned +3.25% while VTI returned +17.34%. Year to date, RLTY is up 6.93% versus a gain of 11.65% for VTI.
Over three years, RLTY compounded at +11.78% per year against +20.35% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RLTY has been the more volatile fund, with annualized monthly volatility of 23.2% compared with 15.9% for VTI. 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 -35.4% for RLTY and -22.4% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RLTY charges 1.19% per year while VTI charges 0.03%. On a $10,000 position that is $119 vs $3 annually, a gap of $116 per year that compounds over a long holding period. On income, RLTY currently yields 7.85% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 168 holdings in RLTY and 2,787 in VTI, totalling 138.3% and 90.6% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 24 positions appear in both.
The two holdings books were reported 91 days apart, RLTY as of Mar 31, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
24 positions in common, counted across the 168 positions we hold weights for in RLTY and 2,787 in VTI, against full books of 232 and 3,543.
Top Shared Holdings
| Stock | Weight in RLTY | Weight in VTI | Difference |
|---|---|---|---|
| WELLWelltower Inc | 15.93% | 0.22% | 15.71% |
| DLRDigital Realty Trust Inc. | 10.68% | 0.09% | 10.59% |
| CCICrown Castle International Corp | 8.88% | 0.05% | 8.83% |
| AMTAmerican Tower Corp | 6.07% | 0.10% | 5.97% |
| PLDPrologis Inc | 5.22% | 0.17% | 5.05% |
| EQIXEquinix, Inc. | 4.05% | 0.14% | 3.91% |
| EXRExtra Space Storage Inc. | 3.99% | 0.04% | 3.95% |
| UMG:ASUniversal Music Group N.V. Universal Music Group N V | 3.80% | 0.05% | 3.75% |
| ELSEquity Lifestyle Properties, Inc. | 3.18% | 0.02% | 3.16% |
| OUTOutfront Media Inc | 2.84% | 0.00% | 2.84% |
You are not choosing between two funds in isolation.
Whichever of RLTY and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RLTY or VTI?
RLTY has an expense ratio of 1.19% while VTI charges 0.03%. VTI is the cheaper option, by $116 a year on a $10,000 investment.
Which performed better, RLTY or VTI?
Over the past year RLTY returned +3.25% vs +17.34% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RLTY or VTI?
RLTY has been the more volatile fund at 23.2% annualized versus 15.9% for VTI. Worst drawdown: RLTY -35.4% vs VTI -22.4%.
Should I hold both RLTY and VTI?
RLTY and VTI have a monthly-return correlation of 0.70, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, RLTY or VTI?
RLTY yields 7.85% while VTI yields 1.03%, so RLTY currently pays the higher dividend yield.
Is VTI better than RLTY?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.