RMCA vs VTI
Rockefeller California Municipal Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RMCA or VTI?
Municipal California against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y 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 | RMCA | VTI |
|---|---|---|
| Expense Ratio | 0.55% | 0.03%Best |
| AUM | $19M | $666.9B |
| Dividend Yield | 4.87% | 1.03% |
| Holdings | 87 | 3,543 |
| YTD Return | -1.34% | +11.06%Best |
| 1Y Return | +0.06% | +15.41%Best |
| 3Y Return (annualized) | - | +20.48% |
| 5Y Return (annualized) | - | +11.52% |
| Volatility (annualized) | 5.2%Best | 12.8% |
| Max Drawdown | -6.3%Best | -19.3% |
| $10,000 over 2.1 years | $10,067 | $14,262Best |
| Fund Family | Rockefeller Capital Management | Vanguard (US) |
| Category | Tax Preferred | Equity |
| Style | Municipal California | Large Cap Blend |
| Inception | Aug 12, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.1 years row, are measured over the window both funds cover: Aug 13, 2024 to Sep 16, 2026 (2.1 years).
RMCA 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 2.1 years both funds cover.
RMCA vs VTI Performance
Rockefeller California Municipal Bond ETF (RMCA) is an ETF from Rockefeller Capital Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year RMCA returned +0.06% while VTI returned +15.41%. Year to date, RMCA is down 1.34% versus a gain of 11.06% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.8% compared with 5.2% 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 -19.3% 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 0.48. They move together some of the time, and apart the rest.
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 4.87% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 22 holdings in RMCA and 3,463 in VTI, totalling 24.3% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 22 positions we hold weights for in RMCA and 3,463 in VTI, against full books of 87 and 3,543.
You are not choosing between two funds in isolation.
Whichever of RMCA 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, RMCA or VTI?
RMCA has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option, by $52 a year on a $10,000 investment.
Which performed better, RMCA or VTI?
Over the past year RMCA returned +0.06% vs +15.41% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), RMCA annualized +0.32% vs +18.42% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RMCA or VTI?
VTI has been the more volatile fund at 12.8% annualized versus 5.2% for RMCA. Worst drawdown: RMCA -6.3% vs VTI -19.3%.
Should I hold both RMCA and VTI?
RMCA and VTI have a monthly-return correlation of 0.48, 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, RMCA or VTI?
RMCA yields 4.87% while VTI yields 1.03%, so RMCA currently pays the higher dividend yield.
Is VTI better than RMCA?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.