RULE vs VTI
Adaptive Core ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RULE or VTI?
Equity-oriented Balanced against Large Cap Blend.
VTI has a lower expense ratio. RULE led over 1Y, VTI over 3Y and the full window.
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 | RULE | VTI |
|---|---|---|
| Expense Ratio | 1.84% | 0.03%Best |
| AUM | $17M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 36 | 3,543 |
| YTD Return | +27.69%Best | +11.65% |
| 1Y Return | +31.83%Best | +17.34% |
| 3Y Return (annualized) | +15.44% | +20.35%Best |
| 5Y Return (annualized) | - | +11.72% |
| Volatility (annualized) | 17.7% | 16.0%Best |
| Max Drawdown | -30.5% | -25.4%Best |
| $10,000 over 4.9 years | $12,113 | $16,676Best |
| Fund Family | Mohr Funds | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Blend |
| Inception | Nov 2, 2021 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.9 years row, are measured over the window both funds cover: Nov 3, 2021 to Sep 10, 2026 (4.9 years).
RULE 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 4.9 years both funds cover.
RULE vs VTI Performance
Adaptive Core ETF (RULE) is an ETF from Mohr Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year RULE returned +31.83% while VTI returned +17.34%. Year to date, RULE is up 27.69% versus a gain of 11.65% for VTI.
Over three years, RULE compounded at +15.44% per year against +20.35% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RULE has been the more volatile fund, with annualized monthly volatility of 17.7% compared with 16.0% 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 -30.5% for RULE 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 0.64. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RULE charges 1.84% per year while VTI charges 0.03%. On a $10,000 position that is $184 vs $3 annually, a gap of $181 per year that compounds over a long holding period. On income, RULE currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
At least 79.2% of RULE's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of RULE is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 48 days apart, RULE as of Aug 17, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
28 positions in common, counted across the 35 positions we hold weights for in RULE and 2,787 in VTI, against full books of 36 and 3,543.
Top Shared Holdings
| Stock | Weight in RULE | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 2.58% | 6.32% | 3.74% |
| AAPLApple, Inc | 1.84% | 5.84% | 4.00% |
| MUMicron Technology, Inc. | 5.70% | 1.79% | 3.91% |
| STXSeagate Technology Plc | 7.01% | 0.30% | 6.71% |
| GOOGLAlphabet A Usd 0.001 | 3.07% | 2.88% | 0.19% |
| AMDAdvanced Micro Devices Inc. | 3.70% | 1.30% | 2.40% |
| LRCXLam Research Corpcommon Stock | 4.05% | 0.74% | 3.31% |
| AMZNAmazon.Com Inc | 1.55% | 3.17% | 1.62% |
| DELLDell Technologies Inc. | 3.87% | 0.17% | 3.70% |
| PANWPalo Alto Networks Inc. | 3.34% | 0.38% | 2.96% |
79.2% of RULE 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.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RULE or VTI?
RULE has an expense ratio of 1.84% while VTI charges 0.03%. VTI is the cheaper option, by $181 a year on a $10,000 investment.
Which performed better, RULE or VTI?
Over the past year RULE returned +31.83% vs +17.34% for VTI, so RULE leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RULE or VTI?
RULE has been the more volatile fund at 17.7% annualized versus 16.0% for VTI. Worst drawdown: RULE -30.5% vs VTI -25.4%.
Should I hold both RULE and VTI?
RULE and VTI have a monthly-return correlation of 0.64, 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 RULE and VTI?
At least 79.2% of RULE's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 28 positions in common, counted across the 35 positions we hold weights for in RULE and 2,787 in VTI.
Which pays a higher dividend, RULE or VTI?
RULE yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than RULE?
VTI has a lower expense ratio. RULE led over 1Y, VTI over 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.