RFCI vs TOTR
ALPS Dynamic Core Income ETF vs T. Rowe Price Total Return ETF
Which is better, RFCI or TOTR?
Nearly the same fund. TOTR costs less.
TOTR has a lower expense ratio. RFCI led over 1Y, 5Y and the full window, TOTR over 3Y. The two have moved almost in lockstep, correlation 0.95.
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 | RFCI | TOTR |
|---|---|---|
| Expense Ratio | 0.51% | 0.31%Best |
| AUM | $13M | $566M |
| Dividend Yield | 4.76% | 5.48% |
| Holdings | 48 | 1,222 |
| YTD Return | -1.66%Best | -2.17% |
| 1Y Return | -1.45%Best | -1.73% |
| 3Y Return (annualized) | +4.92% | +5.04%Best |
| 5Y Return (annualized) | +1.12%Best | -0.85% |
| Volatility (annualized) | 5.3%Best | 6.6% |
| Max Drawdown | -11.1%Best | -19.6% |
| $10,000 over 5 years | $10,573Best | $9,582 |
| Fund Family | ALPS Advisors | T.Rowe Price |
| Category | Fixed Income | Fixed Income |
| Inception | Jun 13, 2016 | Sep 28, 2021 |
Not shown on this pair: Top 10 Weight, Style.
Volatility and max drawdown are measured over the window both funds cover: Sep 29, 2021 to Oct 14, 2026 (5 years).
RFCI vs TOTR 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 5 years both funds cover.
RFCI vs TOTR Performance
ALPS Dynamic Core Income ETF (RFCI) is an ETF from ALPS Advisors and T. Rowe Price Total Return ETF (TOTR) is an ETF from T.Rowe Price. Over the past year RFCI returned -1.45% while TOTR returned -1.73%. Year to date, RFCI is down 1.66% versus a loss of 2.17% for TOTR.
Over three years, RFCI compounded at +4.92% per year against +5.04% for TOTR; over five years the annualized figures are +1.12% and -0.85% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TOTR has been the more volatile fund, with annualized monthly volatility of 6.6% compared with 5.3% for RFCI. 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 -11.1% for RFCI and -19.6% for TOTR. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
RFCI charges 0.51% per year while TOTR charges 0.31%. On a $10,000 position that is $51 vs $31 annually, a gap of $20 per year that compounds over a long holding period. On income, RFCI currently yields 4.76% against 5.48% for TOTR.
Holdings Overlap
We hold position weights for 37 holdings in RFCI and 522 in TOTR, totalling 83.6% and 55.1% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 4 positions appear in both.
4 positions in common, counted across the 37 positions we hold weights for in RFCI and 522 in TOTR, against full books of 48 and 1,222.
Top Shared Holdings
| Stock | Weight in RFCI | Weight in TOTR | Difference |
|---|---|---|---|
| T 4.75 11/15/43Us Treas Bds 4.75% 11/15/43 | 11.02% | 0.11% | 10.91% |
| T 4 11/15/52United States Treasury Note/Bond | 4.11% | 0.27% | 3.84% |
| GM 6.4 01/09/33Gen Motors Fin 6.4 01/09/2033 | 3.40% | 0.03% | 3.37% |
| T 3.625 05/15/53United States Treasury Note/Bo 3.6250% Mat 05/15/2053 | 2.40% | 0.08% | 2.32% |
You are not choosing between two funds in isolation.
Whichever of RFCI and TOTR 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, RFCI or TOTR?
RFCI has an expense ratio of 0.51% while TOTR charges 0.31%. TOTR is the cheaper option, by $20 a year on a $10,000 investment.
Which performed better, RFCI or TOTR?
Over the past year RFCI returned -1.45% vs -1.73% for TOTR, so RFCI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RFCI or TOTR?
TOTR has been the more volatile fund at 6.6% annualized versus 5.3% for RFCI. Worst drawdown: RFCI -11.1% vs TOTR -19.6%.
Should I hold both RFCI and TOTR?
RFCI and TOTR have a monthly-return correlation of 0.95, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, RFCI or TOTR?
RFCI yields 4.76% while TOTR yields 5.48%, so TOTR currently pays the higher dividend yield.
Is TOTR better than RFCI?
TOTR has a lower expense ratio. RFCI led over 1Y, 5Y and the full window, TOTR over 3Y. The two have moved almost in lockstep, correlation 0.95. Which one suits a particular account depends on what it is for. This is information, not a recommendation.