RSP vs VUG

RSP vs VUG

Which is better, RSP or VUG?

Large Cap Blend against Large Cap Growth.

VUG has a lower expense ratio. VUG led over 1Y, 3Y, 5Y and the full window. RSP is less concentrated, with 3.2% of the fund in its ten largest positions against 63.6%.

Lower Fees: VUGHigher Returns: VUGLess Concentrated: RSP

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

MetricRSPVUG
Expense Ratio0.20%0.03%Best
AUM$99.6B$219.5B
Dividend Yield1.46%0.38%
Holdings511146
YTD Return+10.46%+11.65%Best
1Y Return+13.34%+13.57%Best
3Y Return (annualized)+15.49%+26.10%Best
5Y Return (annualized)+8.23%+12.87%Best
Volatility (annualized)16.6%16.5%Best
Max Drawdown-60.9%-51.4%Best
$10,000 over 5 years$14,850$18,319Best
Top 10 Weight3.2%Best63.6%
Fund FamilyInvesco (US)Vanguard (US)
CategoryEquityEquity
StyleLarge Cap BlendLarge Cap Growth
InceptionApr 24, 2003Jan 26, 2004

Volatility and max drawdown are measured over the window both funds cover: Jan 30, 2004 to Sep 23, 2026 (22.6 years).

RSP vs VUG 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 22.6 years both funds cover.

RSP vs VUG Performance

Invesco S&P 500 Equal Weight ETF (RSP) is an ETF from Invesco (US) and Vanguard Morningstar Growth ETF (VUG) is an ETF from Vanguard (US). Over the past year RSP returned +13.34% while VUG returned +13.57%. Year to date, RSP is up 10.46% versus a gain of 11.65% for VUG.

Over three years, RSP compounded at +15.49% per year against +26.10% for VUG; over five years the annualized figures are +8.23% and +12.87% respectively. Across the full 23-year window we track, VUG has the edge at +11.28% annualized vs +8.73%.

Past performance does not guarantee future results.

Risk: Volatility and Drawdowns

RSP has been the more volatile fund, with annualized monthly volatility of 16.6% compared with 16.5% for VUG. 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 -51.4% for VUG. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.86. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

RSP charges 0.20% per year while VUG 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 0.38% for VUG.

Holdings Overlap

RSP already in VUG23.8%
VUG already in RSP95.2%

23.8% of RSP's money is in holdings VUG also owns. 95.2% of VUG's money is in holdings RSP also owns.

Most of VUG is already inside RSP. Owning both mostly buys the same companies twice.

120 positions in common, counted across the 502 positions we hold weights for in RSP and 147 in VUG, against full books of 511 and 146.

What only one of them owns

Our book lists 26 positions for VUG that do not appear in our book for RSP (4.6% of the fund), and 376 for RSP that do not appear in VUG (74.7%).

Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.

Top Shared Holdings

StockWeight in RSPWeight in VUGDifference
NVDANvidia Corp0.21%12.81%12.60%
AAPLApple, Inc0.20%12.59%12.39%
MSFTMicrosoft Corp0.24%9.59%9.35%
GOOGLAlphabet Inc,class A0.10%5.80%5.70%
AMZNAmazon.Com Inc0.21%5.15%4.94%
GOOGAlphabet Inc0.08%4.62%4.54%
AVGOBroadcom Inc0.19%4.46%4.27%
METAMeta Platforms Inc0.19%3.41%3.22%
LLYEli Lilly & Co.0.19%2.72%2.53%
TSLATesla Inc0.18%2.44%2.26%

95.2% of VUG is already inside RSP.

You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.

RSPVUG

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, RSP or VUG?

RSP has an expense ratio of 0.20% while VUG charges 0.03%. VUG is the cheaper option, by $17 a year on a $10,000 investment.

Which performed better, RSP or VUG?

Over the past year RSP returned +13.34% vs +13.57% for VUG, so VUG leads on 1-year performance. Over the longest common window we track (23 years), RSP annualized +8.73% vs +11.28% for VUG. Past performance does not guarantee future results. This is information, not a recommendation.

Which is riskier, RSP or VUG?

RSP has been the more volatile fund at 16.6% annualized versus 16.5% for VUG. Worst drawdown: RSP -60.9% vs VUG -51.4%.

Should I hold both RSP and VUG?

RSP and VUG have a monthly-return correlation of 0.86, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

What is the holdings overlap between RSP and VUG?

95.2% of VUG's money is in holdings RSP also owns. 95.2% of VUG's is in holdings RSP also owns. They hold 120 positions in common, counted across the 502 positions we hold weights for in RSP and 147 in VUG.

Which pays a higher dividend, RSP or VUG?

RSP yields 1.46% while VUG yields 0.38%, so RSP currently pays the higher dividend yield.

Is VUG better than RSP?

VUG has a lower expense ratio. VUG led over 1Y, 3Y, 5Y and the full window. RSP is less concentrated, with 3.2% of the fund in its ten largest positions against 63.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.