RSPU vs VTI
Invesco S&P 500 Equal Weight Utilities 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 | RSPU | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $538M | $666.9B | |
| Dividend Yield | 2.55% | 1.07% | |
| Holdings | 33 | 3,543 | |
| YTD Return | +1.94% | +13.14% | |
| 1Y Return | +4.20% | +22.35% | |
| 3Y Return (annualized) | +15.17% | +21.83% | |
| 5Y Return (annualized) | +9.16% | +12.01% | |
| Volatility (annualized) | 14.5% | 15.3% | |
| Max Drawdown | -51.3% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 1, 2006 | May 24, 2001 |
RSPU vs VTI Performance
Invesco S&P 500 Equal Weight Utilities ETF (RSPU) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RSPU returned +4.20% while VTI returned +22.35%. Year to date, RSPU is up 1.94% versus a gain of 13.14% for VTI.
Over three years, RSPU compounded at +15.17% per year against +21.83% for VTI; over five years the annualized figures are +9.16% and +12.01% respectively. Across the full 20-year window we track, VTI has the edge at +8.09% annualized vs +6.04%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.5% for RSPU. 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 -51.3% for RSPU 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RSPU 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, RSPU currently yields 2.55% against 1.07% for VTI.
Holdings Overlap
RSPU and VTI share 28 holdings out of 2790 unique holdings combined, representing a 1.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RSPU or VTI?
RSPU 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, RSPU or VTI?
Over the past year RSPU returned +4.20% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (20 years), RSPU annualized +6.04% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, RSPU or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.5% for RSPU. Worst drawdown: RSPU -51.3% vs VTI -56.6%.
Should I hold both RSPU and VTI?
RSPU and VTI have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSPU and VTI?
RSPU and VTI share 28 common holdings with a 1.9% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, RSPU or VTI?
RSPU yields 2.55% while VTI yields 1.07%, so RSPU currently pays the higher dividend yield.
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