RSPF vs VTI
Invesco S&P 500 Equal Weight Financials 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 | RSPF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $318M | $666.9B | |
| Dividend Yield | 1.50% | 1.07% | |
| Holdings | 78 | 3,543 | |
| YTD Return | +7.81% | +12.65% | |
| 1Y Return | +10.32% | +21.39% | |
| 3Y Return (annualized) | +19.34% | +21.54% | |
| 5Y Return (annualized) | +8.40% | +12.11% | |
| Volatility (annualized) | 23.5% | 15.3% | |
| Max Drawdown | -82.2% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 1, 2006 | May 24, 2001 |
RSPF vs VTI Performance
Invesco S&P 500 Equal Weight Financials ETF (RSPF) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RSPF returned +10.32% while VTI returned +21.39%. Year to date, RSPF is up 7.81% versus a gain of 12.65% for VTI.
Over three years, RSPF compounded at +19.34% per year against +21.54% for VTI; over five years the annualized figures are +8.40% and +12.11% respectively. Across the full 20-year window we track, VTI has the edge at +8.07% annualized vs +3.27%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RSPF has been the more volatile fund, with annualized monthly volatility of 23.5% 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 -82.2% for RSPF 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RSPF 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, RSPF currently yields 1.50% against 1.07% for VTI.
Holdings Overlap
RSPF and VTI share 71 holdings out of 2792 unique holdings combined, representing a 8.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RSPF or VTI?
RSPF 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, RSPF or VTI?
Over the past year RSPF returned +10.32% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (20 years), RSPF annualized +3.27% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, RSPF or VTI?
RSPF has been the more volatile fund at 23.5% annualized versus 15.3% for VTI. Worst drawdown: RSPF -82.2% vs VTI -56.6%.
Should I hold both RSPF and VTI?
RSPF and VTI have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSPF and VTI?
RSPF and VTI share 71 common holdings with a 8.4% weight overlap. Combined, they hold 2792 unique securities.
Which pays a higher dividend, RSPF or VTI?
RSPF yields 1.50% while VTI yields 1.07%, so RSPF currently pays the higher dividend yield.
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