RMIF vs VTI
LHA Risk-Managed Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RMIF or VTI?
Intermediate Term Bond 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 | RMIF | VTI |
|---|---|---|
| Expense Ratio | 1.55% | 0.03%Best |
| AUM | $6M | $666.9B |
| Dividend Yield | 5.68% | 1.07% |
| Holdings | 7 | 3,543 |
| Volatility (annualized) | 2.4%Best | 13.4% |
| Max Drawdown | -3.7%Best | -19.3% |
| $10,000 over 3.1 years | $11,196 | $17,721Best |
| Fund Family | Little Harbor Advisors | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Blend |
| Inception | Jun 9, 2023 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 43 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. RMIF has data through Jul 27, 2026 and VTI through Sep 8, 2026.
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Jun 9, 2023 to Jul 27, 2026 (3.1 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.4% 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 -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 0.67. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RMIF charges 1.55% per year while VTI 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 1.07% for VTI.
Holdings Overlap
We hold position weights for 6 holdings in RMIF and 2,788 in VTI, totalling 100.0% and 92.3% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 61 days apart, RMIF as of Apr 30, 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.
0 positions in common, counted across the 6 positions we hold weights for in RMIF and 2,788 in VTI, against full books of 7 and 3,543.
You are not choosing between two funds in isolation.
Whichever of RMIF 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, RMIF or VTI?
RMIF has an expense ratio of 1.55% while VTI charges 0.03%. VTI is the cheaper option, by $152 a year on a $10,000 investment.
Which is riskier, RMIF or VTI?
VTI has been the more volatile fund at 13.4% annualized versus 2.4% for RMIF. Worst drawdown: RMIF -3.7% vs VTI -19.3%.
Should I hold both RMIF and VTI?
RMIF and VTI have a monthly-return correlation of 0.67, 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, RMIF or VTI?
RMIF yields 5.68% while VTI yields 1.07%, so RMIF currently pays the higher dividend yield.
Is VTI better than RMIF?
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.