RSPS vs VTI

RSPS vs VTI

Which is better, RSPS or VTI?

Large Cap Value against Large Cap Blend.

VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. RSPS is less concentrated, with 33.0% of the fund in its ten largest positions against 33.3%.

Lower Fees: VTIHigher Returns: VTILess Concentrated: RSPS

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

MetricRSPSVTI
Expense Ratio0.40%0.03%Best
AUM$248M$666.9B
Dividend Yield2.86%1.03%
Holdings373,543
YTD Return+4.57%+11.06%Best
1Y Return+3.72%+15.41%Best
3Y Return (annualized)+0.89%+20.48%Best
5Y Return (annualized)+1.37%+11.52%Best
Volatility (annualized)13.0%Best15.9%
Max Drawdown-37.5%Best-56.6%
$10,000 over 5 years$10,704$17,249Best
Top 10 Weight33.0%Best33.3%
Fund FamilyInvesco (US)Vanguard (US)
CategoryEquityEquity
StyleLarge Cap ValueLarge Cap Blend
InceptionNov 1, 2006May 24, 2001

Volatility and max drawdown are measured over the window both funds cover: Nov 7, 2006 to Sep 16, 2026 (19.9 years).

RSPS vs VTI 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 19.9 years both funds cover.

RSPS vs VTI Performance

Invesco S&P 500 Equal Weight Consumer Staples ETF (RSPS) is an ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year RSPS returned +3.72% while VTI returned +15.41%. Year to date, RSPS is up 4.57% versus a gain of 11.06% for VTI.

Over three years, RSPS compounded at +0.89% per year against +20.48% for VTI; over five years the annualized figures are +1.37% and +11.52% respectively. Across the full 20-year window we track, VTI has the edge at +9.31% annualized vs +6.65%.

Past performance does not guarantee future results.

Risk: Volatility and Drawdowns

VTI has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 13.0% for RSPS. 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 -37.5% for RSPS and -56.6% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

RSPS 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, RSPS currently yields 2.86% against 1.03% for VTI.

Holdings Overlap

RSPS already in VTI100.0%
VTI already in RSPS4.1%

100.0% of RSPS's money is in holdings VTI also owns. 4.1% of VTI's money is in holdings RSPS also owns.

Most of RSPS is already inside VTI. Owning both mostly buys the same companies twice.

34 positions in common, counted across the 34 positions we hold weights for in RSPS and 3,463 in VTI, against full books of 37 and 3,543.

What only one of them owns

Measured across the 34 and 3,463 positions we hold weights for.

VTI holds 1,116 positions RSPS does not, 93.3% of the fund.

Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%

Top Shared Holdings

StockWeight in RSPSWeight in VTIDifference
TGTTarget Corp Common Stock Usd.08333.66%0.09%3.57%
GISGeneral Mills In3.52%0.03%3.49%
ELEstee Lauder Cos., Inc.3.47%0.03%3.44%
KOCoca Cola Co.3.07%0.42%2.65%
DGDollar General Corp.3.33%0.04%3.29%
PMPhilip Morris International Inc.2.96%0.41%2.55%
COSTCostco Wholesale Corp.2.77%0.59%2.18%
DLTRDollar Tree Inc.3.32%0.03%3.29%
SJMJ M Smucker Co/The3.27%0.02%3.25%
PGProcter & Gamble Company2.81%0.47%2.34%

100.0% of RSPS is already inside VTI.

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

RSPSVTI

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, RSPS or VTI?

RSPS has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option, by $37 a year on a $10,000 investment.

Which performed better, RSPS or VTI?

Over the past year RSPS returned +3.72% vs +15.41% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (20 years), RSPS annualized +6.65% vs +9.31% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.

Which is riskier, RSPS or VTI?

VTI has been the more volatile fund at 15.9% annualized versus 13.0% for RSPS. Worst drawdown: RSPS -37.5% vs VTI -56.6%.

Should I hold both RSPS and VTI?

RSPS and VTI have a monthly-return correlation of 0.71, 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 RSPS and VTI?

100.0% of RSPS's money is in holdings VTI also owns. 4.1% of VTI's is in holdings RSPS also owns. They hold 34 positions in common, counted across the 34 positions we hold weights for in RSPS and 3,463 in VTI.

Which pays a higher dividend, RSPS or VTI?

RSPS yields 2.86% while VTI yields 1.03%, so RSPS currently pays the higher dividend yield.

Is VTI better than RSPS?

VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. RSPS is less concentrated, with 33.0% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.