RSPD vs VTI
Invesco S&P 500 Equal Weight Consumer Discretionary ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | RSPD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $326M | $666.9B | |
| Dividend Yield | 0.86% | 1.07% | |
| Holdings | 49 | 3,543 | |
| YTD Return | -0.55% | +12.65% | |
| 1Y Return | +0.47% | +21.39% | |
| 3Y Return (annualized) | +9.87% | +21.54% | |
| 5Y Return (annualized) | +4.02% | +12.11% | |
| Volatility (annualized) | 22.4% | 15.3% | |
| Max Drawdown | -68.8% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 1, 2006 | May 24, 2001 |
RSPD vs VTI Performance
Invesco S&P 500 Equal Weight Consumer Discretionary ETF (RSPD) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RSPD returned +0.47% while VTI returned +21.39%. Year to date, RSPD is down 0.55% versus a gain of 12.65% for VTI.
Over three years, RSPD compounded at +9.87% per year against +21.54% for VTI; over five years the annualized figures are +4.02% and +12.11% respectively. Across the full 20-year window we track, VTI has the edge at +8.07% annualized vs +7.18%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RSPD has been the more volatile fund, with annualized monthly volatility of 22.4% compared with 15.3% for VTI. 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 -68.8% for RSPD and -56.6% for VTI. 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RSPD charges 0.40% per year while VTI charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, RSPD currently yields 0.86% against 1.07% for VTI.
Holdings Overlap
RSPD and VTI share 43 holdings out of 2791 unique holdings combined, representing a 7.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RSPD or VTI?
RSPD has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, RSPD or VTI?
Over the past year RSPD returned +0.47% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (20 years), RSPD annualized +7.18% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, RSPD or VTI?
RSPD has been the more volatile fund at 22.4% annualized versus 15.3% for VTI. Worst drawdown: RSPD -68.8% vs VTI -56.6%.
Should I hold both RSPD and VTI?
RSPD and VTI have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSPD and VTI?
RSPD and VTI share 43 common holdings with a 7.0% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, RSPD or VTI?
RSPD yields 0.86% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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