RMIF vs VOO
LHA Risk-Managed Income ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | RMIF | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 1.55% | 0.03% | |
| AUM | $6M | $979.0B | |
| Dividend Yield | 5.68% | 1.09% | |
| Holdings | 7 | 509 | |
| YTD Return | -2.80% | +13.79% | |
| 1Y Return | -1.16% | +23.01% | |
| 3Y Return (annualized) | +3.47% | +21.78% | |
| 5Y Return (annualized) | - | +13.39% | |
| Volatility (annualized) | 2.4% | 14.1% | |
| Max Drawdown | -3.7% | -34.3% | |
| Fund Family | Little Harbor Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 9, 2023 | Sep 7, 2010 |
RMIF vs VOO Performance
LHA Risk-Managed Income ETF (RMIF) is a ETF from Little Harbor Advisors and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year RMIF returned -1.16% while VOO returned +23.01%. Year to date, RMIF is down 2.80% versus a gain of 13.79% for VOO.
Over three years, RMIF compounded at +3.47% per year against +21.78% for VOO. Across the full 3-year window we track, VOO has the edge at +13.57% annualized vs +3.71%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 2.4% for RMIF. 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 -3.7% for RMIF and -34.3% for VOO. 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RMIF charges 1.55% per year while VOO charges 0.03%. On a $10,000 position that is $155 vs $3 annually, a gap of $152 per year that compounds over a long holding period. On income, RMIF currently yields 5.68% against 1.09% for VOO.
Holdings Overlap
RMIF and VOO share 0 holdings out of 511 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, RMIF or VOO?
RMIF has an expense ratio of 1.55% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $152 per year of difference.
Which performed better, RMIF or VOO?
Over the past year RMIF returned -1.16% vs +23.01% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (3 years), RMIF annualized +3.71% vs +13.57% for VOO. Past performance does not guarantee future results.
Which is riskier, RMIF or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 2.4% for RMIF. Worst drawdown: RMIF -3.7% vs VOO -34.3%.
Should I hold both RMIF and VOO?
RMIF and VOO have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RMIF and VOO?
RMIF and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 511 unique securities.
Which pays a higher dividend, RMIF or VOO?
RMIF yields 5.68% while VOO yields 1.09%, so RMIF currently pays the higher dividend yield.
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