RSP vs VCIT
Invesco S&P 500 Equal Weight ETF vs Vanguard Intermediate Term Corporate Bond ETF
Which is better, RSP or VCIT?
Large Cap Blend against Long Term Mid Quality.
VCIT has a lower expense ratio. RSP led over 1Y, 3Y, 5Y 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 | RSP | VCIT |
|---|---|---|
| Expense Ratio | 0.20% | 0.03%Best |
| AUM | $99.6B | $69.8B |
| Dividend Yield | 1.46% | 4.89% |
| Holdings | 511 | 2,271 |
| YTD Return | +10.97%Best | -1.72% |
| 1Y Return | +13.86%Best | -0.83% |
| 3Y Return (annualized) | +14.78%Best | +5.86% |
| 5Y Return (annualized) | +8.82%Best | +0.46% |
| Volatility (annualized) | 15.7% | 5.9%Best |
| Max Drawdown | -39.6% | -20.7%Best |
| $10,000 over 5 years | $15,260Best | $10,232 |
| Fund Family | Invesco (US) | Vanguard (US) |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Long Term Mid Quality |
| Inception | Apr 24, 2003 | Nov 19, 2009 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Nov 23, 2009 to Sep 18, 2026 (16.8 years).
RSP vs VCIT 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
RSP vs VCIT Performance
Invesco S&P 500 Equal Weight ETF (RSP) is an ETF from Invesco (US) and Vanguard Intermediate Term Corporate Bond ETF (VCIT) is an ETF from Vanguard (US). Over the past year RSP returned +13.86% while VCIT returned -0.83%. Year to date, RSP is up 10.97% versus a loss of 1.72% for VCIT.
Over three years, RSP compounded at +14.78% per year against +5.86% for VCIT; over five years the annualized figures are +8.82% and +0.46% respectively. Across the full 17-year window we track, RSP has the edge at +11.30% annualized vs +1.66%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RSP has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 5.9% for VCIT. 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 -39.6% for RSP and -20.7% for VCIT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.46. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RSP charges 0.20% per year while VCIT charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, RSP currently yields 1.46% against 4.89% for VCIT.
Holdings Overlap
At least 0.6% of RSP's money is in holdings VCIT also owns.
Stated as a floor: for VCIT, our book for it covers 61.8% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
3 positions in common, counted across the 502 positions we hold weights for in RSP and 1,364 in VCIT, against full books of 511 and 2,271.
You are not choosing between two funds in isolation.
Whichever of RSP and VCIT 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, RSP or VCIT?
RSP has an expense ratio of 0.20% while VCIT charges 0.03%. VCIT is the cheaper option, by $17 a year on a $10,000 investment.
Which performed better, RSP or VCIT?
Over the past year RSP returned +13.86% vs -0.83% for VCIT, so RSP leads on 1-year performance. Over the longest common window we track (17 years), RSP annualized +11.30% vs +1.66% for VCIT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RSP or VCIT?
RSP has been the more volatile fund at 15.7% annualized versus 5.9% for VCIT. Worst drawdown: RSP -39.6% vs VCIT -20.7%.
Should I hold both RSP and VCIT?
RSP and VCIT have a monthly-return correlation of 0.46, 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, RSP or VCIT?
RSP yields 1.46% while VCIT yields 4.89%, so VCIT currently pays the higher dividend yield.
Is VCIT better than RSP?
VCIT has a lower expense ratio. RSP led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.