RMCA vs VTI
Rockefeller California Municipal Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | RMCA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $19M | $663.5B | |
| Dividend Yield | 4.72% | 1.07% | |
| Holdings | 65 | 3,543 | |
| YTD Return | +2.09% | +14.20% | |
| 1Y Return | +7.38% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 5.0% | 15.3% | |
| Max Drawdown | -6.3% | -56.6% | |
| Fund Family | Rockefeller Capital Management | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Aug 12, 2024 | May 24, 2001 |
RMCA vs VTI Performance
Rockefeller California Municipal Bond ETF (RMCA) is a ETF from Rockefeller Capital Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RMCA returned +7.38% while VTI returned +24.16%. Year to date, RMCA is up 2.09% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 5.0% for RMCA. 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 -6.3% for RMCA 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 0.47. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RMCA charges 0.55% per year while VTI charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, RMCA currently yields 4.72% against 1.07% for VTI.
Holdings Overlap
RMCA and VTI share 0 holdings out of 2803 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, RMCA or VTI?
RMCA has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, RMCA or VTI?
Over the past year RMCA returned +7.38% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), RMCA annualized +2.08% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, RMCA or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.0% for RMCA. Worst drawdown: RMCA -6.3% vs VTI -56.6%.
Should I hold both RMCA and VTI?
RMCA and VTI have a monthly-return correlation of 0.47, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RMCA and VTI?
RMCA and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2803 unique securities.
Which pays a higher dividend, RMCA or VTI?
RMCA yields 4.72% while VTI yields 1.07%, so RMCA currently pays the higher dividend yield.
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