RSP vs VTILX
Invesco S&P 500 Equal Weight ETF vs Vanguard Total International Bond II Index Fund Class Institutional
Quick Verdict
VTILX has a lower expense ratio. RSP delivered stronger 1-year returns. VTILX offers more diversification with 7,391 holdings.
Side-by-Side Comparison
| Metric | RSP | VTILX | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.07% | |
| AUM | $100.1B | $141.9B | |
| Dividend Yield | 1.49% | 4.19% | |
| Holdings | 511 | 7,391 | |
| YTD Return | +15.15% | -1.38% | |
| 1Y Return | +20.06% | -3.13% | |
| 3Y Return (annualized) | +16.13% | -0.30% | |
| 5Y Return (annualized) | +9.24% | - | |
| Volatility (annualized) | 16.5% | 6.0% | |
| Max Drawdown | -60.9% | -15.3% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | Apr 24, 2003 | Feb 17, 2021 |
RSP vs VTILX Performance
Invesco S&P 500 Equal Weight ETF (RSP) is a ETF from Invesco (US) and Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US). Over the past year RSP returned +20.06% while VTILX returned -3.13%. Year to date, RSP is up 15.15% versus a loss of 1.38% for VTILX.
Over three years, RSP compounded at +16.13% per year against -0.30% for VTILX. Across the full 5-year window we track, RSP has the edge at +10.09% annualized vs -2.90%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RSP has been the more volatile fund, with annualized monthly volatility of 16.5% compared with 6.0% for VTILX. 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 -60.9% for RSP and -15.3% for VTILX. 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RSP charges 0.20% per year while VTILX charges 0.07%. On a $10,000 position that is $20 vs $7 annually, a gap of $13 per year that compounds over a long holding period. On income, RSP currently yields 1.49% against 4.19% for VTILX.
Holdings Overlap
RSP and VTILX share 11 holdings out of 1881 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, RSP or VTILX?
RSP has an expense ratio of 0.20% while VTILX charges 0.07%. VTILX is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, RSP or VTILX?
Over the past year RSP returned +20.06% vs -3.13% for VTILX, so RSP leads on 1-year performance. Over the longest common window we track (5 years), RSP annualized +10.09% vs -2.90% for VTILX. Past performance does not guarantee future results.
Which is riskier, RSP or VTILX?
RSP has been the more volatile fund at 16.5% annualized versus 6.0% for VTILX. Worst drawdown: RSP -60.9% vs VTILX -15.3%.
Should I hold both RSP and VTILX?
RSP and VTILX have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSP and VTILX?
RSP and VTILX share 11 common holdings with a 0.0% weight overlap. Combined, they hold 1881 unique securities.
Which pays a higher dividend, RSP or VTILX?
RSP yields 1.49% while VTILX yields 4.19%, so VTILX currently pays the higher dividend yield.
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