RAA vs VTI
RAA vs VTI
SMI 3Fourteen REAL Asset Allocation ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | RAA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.03% | |
| AUM | $594M | $663.5B | |
| Dividend Yield | 2.13% | 1.07% | |
| Holdings | 182 | 3,543 | |
| YTD Return | +7.15% | +11.83% | |
| 1Y Return | +15.49% | +21.79% | |
| 3Y Return (annualized) | +13.79% | +20.40% | |
| 5Y Return (annualized) | +13.79% | +11.96% | |
| Volatility (annualized) | 23.4% | 15.3% | |
| Max Drawdown | -53.8% | -56.6% | |
| Fund Family | 3FourteenSMI | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 26, 2025 | May 24, 2001 |
RAA vs VTI Performance
SMI 3Fourteen REAL Asset Allocation ETF (RAA) is a ETF from 3FourteenSMI and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RAA returned +15.49% while VTI returned +21.79%. Year to date, RAA is up 7.15% versus a gain of 11.83% for VTI.
Over three years, RAA compounded at +13.79% per year against +20.40% for VTI; over five years the annualized figures are +13.79% and +11.96% respectively. Across the full 25-year window we track, VTI has the edge at +8.06% annualized vs +7.18%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RAA has been the more volatile fund, with annualized monthly volatility of 23.4% 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 -53.8% for RAA 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 0.01. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RAA charges 0.85% per year while VTI charges 0.03%. On a $10,000 position that is $85 vs $3 annually, a gap of $82 per year that compounds over a long holding period. On income, RAA currently yields 2.13% against 1.07% for VTI.
Holdings Overlap
RAA and VTI share 134 holdings out of 2829 unique holdings combined, representing a 21.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RAA | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 1.61% | 6.32% | 4.71% |
| AAPL | 1.39% | 5.84% | 4.45% |
| MSFT | 1.04% | 3.81% | 2.77% |
| AMZN | Pro | Pro | Pro |
| GOOGL | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
See all 10 holdings RAA shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, RAA or VTI?
RAA has an expense ratio of 0.85% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, RAA or VTI?
Over the past year RAA returned +15.49% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (25 years), RAA annualized +7.18% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, RAA or VTI?
RAA has been the more volatile fund at 23.4% annualized versus 15.3% for VTI. Worst drawdown: RAA -53.8% vs VTI -56.6%.
Should I hold both RAA and VTI?
RAA and VTI have a monthly-return correlation of 0.01, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RAA and VTI?
RAA and VTI share 134 common holdings with a 21.4% weight overlap. Combined, they hold 2829 unique securities.
Which pays a higher dividend, RAA or VTI?
RAA yields 2.13% while VTI yields 1.07%, so RAA currently pays the higher dividend yield.
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