RAAA vs VTI
RAAA vs VTI
Reckoner Yield Enhanced AAA CLO 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 | RAAA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $35M | $663.5B | |
| Dividend Yield | 4.78% | 1.07% | |
| Holdings | 46 | 3,543 | |
| YTD Return | +2.54% | +14.20% | |
| 1Y Return | +4.82% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 1.2% | 15.3% | |
| Max Drawdown | -0.7% | -56.6% | |
| Fund Family | Reckoner Capital Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 9, 2025 | May 24, 2001 |
RAAA vs VTI Performance
Reckoner Yield Enhanced AAA CLO ETF (RAAA) is a ETF from Reckoner Capital Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RAAA returned +4.82% while VTI returned +24.16%. Year to date, RAAA is up 2.54% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 1.2% for RAAA. 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 -0.7% for RAAA 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 0.47. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RAAA charges 0.30% per year while VTI charges 0.03%. On a $10,000 position that is $30 vs $3 annually, a gap of $27 per year that compounds over a long holding period. On income, RAAA currently yields 4.78% against 1.07% for VTI.
Holdings Overlap
RAAA and VTI share 0 holdings out of 2789 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RAAA or VTI?
RAAA has an expense ratio of 0.30% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $27 per year of difference.
Which performed better, RAAA or VTI?
Over the past year RAAA returned +4.82% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), RAAA annualized +4.81% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, RAAA or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.2% for RAAA. Worst drawdown: RAAA -0.7% vs VTI -56.6%.
Should I hold both RAAA and VTI?
RAAA and VTI have a monthly-return correlation of 0.47, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RAAA and VTI?
RAAA and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, RAAA or VTI?
RAAA yields 4.78% while VTI yields 1.07%, so RAAA currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.