RSSB vs VTI
RSSB vs VTI
Return Stacked Global Stocks & Bonds 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 | RSSB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $508M | $663.5B | |
| Dividend Yield | 2.33% | 1.07% | |
| Holdings | 9 | 3,543 | |
| YTD Return | +10.59% | +14.20% | |
| 1Y Return | +17.51% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 13.9% | 15.3% | |
| Max Drawdown | -16.2% | -56.6% | |
| Fund Family | Return Stacked ETF | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Feb 7, 2023 | May 24, 2001 |
RSSB vs VTI Performance
Return Stacked Global Stocks & Bonds ETF (RSSB) is a ETF from Return Stacked ETF and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year RSSB returned +17.51% while VTI returned +24.16%. Year to date, RSSB is up 10.59% 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 13.9% for RSSB. 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 -16.2% for RSSB 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 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RSSB charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, RSSB currently yields 2.33% against 1.07% for VTI.
Holdings Overlap
RSSB and VTI share 0 holdings out of 2786 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, RSSB or VTI?
RSSB has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, RSSB or VTI?
Over the past year RSSB returned +17.51% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), RSSB annualized +18.13% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, RSSB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 13.9% for RSSB. Worst drawdown: RSSB -16.2% vs VTI -56.6%.
Should I hold both RSSB and VTI?
RSSB and VTI have a monthly-return correlation of 0.87, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSSB and VTI?
RSSB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2786 unique securities.
Which pays a higher dividend, RSSB or VTI?
RSSB yields 2.33% while VTI yields 1.07%, so RSSB 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.