RTAI vs VTI
Rareview Tax Advantaged Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RTAI or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 99.8%.
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
| Metric | RTAI | VTI |
|---|---|---|
| Expense Ratio | 4.59% | 0.03%Best |
| AUM | $16M | $690.1B |
| Dividend Yield | 4.98% | 1.03% |
| Holdings | 30 | 3,524 |
| YTD Return | -11.39% | +12.51%Best |
| 1Y Return | -10.97% | +15.23%Best |
| 3Y Return (annualized) | +5.45% | +22.50%Best |
| 5Y Return (annualized) | -3.76% | +12.31%Best |
| Volatility (annualized) | 14.1%Best | 15.6% |
| Max Drawdown | -34.3% | -25.4%Best |
| $10,000 over 5 years | $8,256 | $17,869Best |
| Top 10 Weight | 99.8% | 33.3%Best |
| Fund Family | Rareview Capital | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Oct 21, 2020 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Oct 21, 2020 to Oct 1, 2026 (5.9 years).
RTAI 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 5.9 years both funds cover.
RTAI vs VTI Performance
Rareview Tax Advantaged Income ETF (RTAI) is an ETF from Rareview Capital and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year RTAI returned -10.97% while VTI returned +15.23%. Year to date, RTAI is down 11.39% versus a gain of 12.51% for VTI.
Over three years, RTAI compounded at +5.45% per year against +22.50% for VTI; over five years the annualized figures are -3.76% and +12.31% respectively. Across the full 6-year window we track, VTI has the edge at +15.21% annualized vs -0.97%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 14.1% for RTAI. 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 -34.3% for RTAI and -25.4% 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 0.67. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RTAI charges 4.59% per year while VTI charges 0.03%. On a $10,000 position that is $459 vs $3 annually, a gap of $456 per year that compounds over a long holding period. On income, RTAI currently yields 4.98% against 1.03% for VTI.
Holdings Overlap
17.4% of RTAI's money is in holdings VTI also owns.
RTAI and VTI share little of their money.
1 positions in common, counted across the 10 positions we hold weights for in RTAI and 3,463 in VTI, against full books of 30 and 3,524.
What only one of them owns
Our book lists 1,150 positions for VTI that do not appear in our book for RTAI (97.5% of the fund), and 9 for RTAI that do not appear in VTI (82.4%).
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
| Stock | Weight in RTAI | Weight in VTI | Difference |
|---|---|---|---|
| MHDBlackrock Muniholdings Fund | 17.40% | 0.00% | 17.40% |
You are not choosing between two funds in isolation.
Whichever of RTAI and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RTAI or VTI?
RTAI has an expense ratio of 4.59% while VTI charges 0.03%. VTI is the cheaper option, by $456 a year on a $10,000 investment.
Which performed better, RTAI or VTI?
Over the past year RTAI returned -10.97% vs +15.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), RTAI annualized -0.97% vs +15.21% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RTAI or VTI?
VTI has been the more volatile fund at 15.6% annualized versus 14.1% for RTAI. Worst drawdown: RTAI -34.3% vs VTI -25.4%.
Should I hold both RTAI and VTI?
RTAI and VTI have a monthly-return correlation of 0.67, 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 RTAI and VTI?
17.4% of RTAI's money is in holdings VTI also owns. 0.0% of VTI's is in holdings RTAI also owns. They hold 1 positions in common, counted across the 10 positions we hold weights for in RTAI and 3,463 in VTI.
Which pays a higher dividend, RTAI or VTI?
RTAI yields 4.98% while VTI yields 1.03%, so RTAI currently pays the higher dividend yield.
Is VTI better than RTAI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 99.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.