PSMO vs RILA
Pacer Swan SOS Moderate October ETF vs Indexperts Gorilla Aggressive Growth ETF
Which is better, PSMO or RILA?
Each has led over a different period.
PSMO has a lower expense ratio. PSMO led over 1Y, RILA over 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 | PSMO | RILA |
|---|---|---|
| Expense Ratio | 0.49%Best | 0.50% |
| AUM | $108M | $46M |
| Dividend Yield | 0.00% | 0.12% |
| Holdings | 12 | 342 |
| YTD Return | +9.51%Best | +6.72% |
| 1Y Return | +12.26%Best | +4.95% |
| 3Y Return (annualized) | +12.10% | - |
| 5Y Return (annualized) | +10.17% | - |
| Volatility (annualized) | 6.3%Best | 15.0% |
| Max Drawdown | -9.8%Best | -20.0% |
| $10,000 over 1.8 years | $12,243 | $12,275Best |
| Fund Family | Pacer ETFs | Indexperts |
| Category | Allocation/Balanced | Allocation/Balanced |
| Style | Equity-oriented Balanced | Equity-oriented Balanced |
| Inception | Sep 30, 2021 | Dec 31, 2024 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.8 years row, are measured over the window both funds cover: Jan 2, 2025 to Oct 14, 2026 (1.8 years).
PSMO vs RILA 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 1.8 years both funds cover.
PSMO vs RILA Performance
Pacer Swan SOS Moderate October ETF (PSMO) is an ETF from Pacer ETFs and Indexperts Gorilla Aggressive Growth ETF (RILA) is an ETF from Indexperts. Over the past year PSMO returned +12.26% while RILA returned +4.95%. Year to date, PSMO is up 9.51% versus a gain of 6.72% for RILA.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RILA has been the more volatile fund, with annualized monthly volatility of 15.0% compared with 6.3% for PSMO. 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 -9.8% for PSMO and -20.0% for RILA. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PSMO charges 0.49% per year while RILA charges 0.50%. On a $10,000 position that is $49 vs $50 annually, a gap of $1 per year that compounds over a long holding period. On income, PSMO currently yields 0.00% against 0.12% for RILA.
Holdings Overlap
We hold position weights for 1 holding in PSMO and 171 in RILA, totalling 0.3% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 1 positions we hold weights for in PSMO and 171 in RILA, against full books of 12 and 342.
You are not choosing between two funds in isolation.
Whichever of PSMO and RILA 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, PSMO or RILA?
PSMO has an expense ratio of 0.49% while RILA charges 0.50%. PSMO is the cheaper option, by $1 a year on a $10,000 investment.
Which performed better, PSMO or RILA?
Over the past year PSMO returned +12.26% vs +4.95% for RILA, so PSMO leads on 1-year performance. Over the longest common window we track (2 years), PSMO annualized +11.90% vs +12.06% for RILA. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PSMO or RILA?
RILA has been the more volatile fund at 15.0% annualized versus 6.3% for PSMO. Worst drawdown: PSMO -9.8% vs RILA -20.0%.
Should I hold both PSMO and RILA?
PSMO and RILA have a monthly-return correlation of 0.84, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, PSMO or RILA?
PSMO yields 0.00% while RILA yields 0.12%, so RILA currently pays the higher dividend yield.
Is RILA better than PSMO?
PSMO has a lower expense ratio. PSMO led over 1Y, RILA over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.