RILA vs RULE
Indexperts Gorilla Aggressive Growth ETF vs Adaptive Core ETF
Which is better, RILA or RULE?
RULE has been ahead.
RILA has a lower expense ratio. RULE led over 1Y and the full window. RILA is less concentrated, with 38.6% of the fund in its ten largest positions against 39.2%.
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 | RILA | RULE |
|---|---|---|
| Expense Ratio | 0.50%Best | 1.84% |
| AUM | $46M | $18M |
| Dividend Yield | 0.12% | 0.00% |
| Holdings | 342 | 35 |
| YTD Return | +6.72% | +28.90%Best |
| 1Y Return | +4.95% | +32.56%Best |
| 3Y Return (annualized) | - | +17.05% |
| 5Y Return (annualized) | - | +4.11% |
| Volatility (annualized) | 15.0%Best | 24.7% |
| Max Drawdown | -20.0% | -19.5%Best |
| $10,000 over 1.8 years | $12,275 | $13,702Best |
| Top 10 Weight | 38.6%Best | 39.2% |
| Fund Family | Indexperts | Mohr Funds |
| Category | Allocation/Balanced | Allocation/Balanced |
| Style | Equity-oriented Balanced | Equity-oriented Balanced |
| Inception | Dec 31, 2024 | Nov 2, 2021 |
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).
RILA vs RULE 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.
RILA vs RULE Performance
Indexperts Gorilla Aggressive Growth ETF (RILA) is an ETF from Indexperts and Adaptive Core ETF (RULE) is an ETF from Mohr Funds. Over the past year RILA returned +4.95% while RULE returned +32.56%. Year to date, RILA is up 6.72% versus a gain of 28.90% for RULE.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RULE has been the more volatile fund, with annualized monthly volatility of 24.7% compared with 15.0% for RILA. 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 -20.0% for RILA and -19.5% for RULE. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.66. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RILA charges 0.50% per year while RULE charges 1.84%. On a $10,000 position that is $50 vs $184 annually, a gap of $134 per year that compounds over a long holding period. On income, RILA currently yields 0.12% against 0.00% for RULE.
Holdings Overlap
18.6% of RILA's money is in holdings RULE also owns. 20.6% of RULE's money is in holdings RILA also owns.
RULE and RILA share little of their money.
8 positions in common, counted across the 171 positions we hold weights for in RILA and 35 in RULE, against full books of 342 and 35.
What only one of them owns
Our book lists 26 positions for RULE that do not appear in our book for RILA (77.1% of the fund), and 159 for RILA that do not appear in RULE (80.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in RILA | Weight in RULE | Difference |
|---|---|---|---|
| PANWPalo Alto Networks, Inc | 4.98% | 3.57% | 1.41% |
| NVDANvidia Corp | 5.35% | 2.67% | 2.68% |
| AMZNAmazon.Com Inc | 3.48% | 1.49% | 1.99% |
| ANETArista Networks Inc Common Stock | 2.63% | 2.07% | 0.56% |
| MSFTMicrosoft Corp | 1.26% | 2.45% | 1.19% |
| MRVLMarvell Technology Inc | 0.61% | 2.91% | 2.30% |
| PSTGPure Storage Inc | 0.17% | 3.24% | 3.07% |
| TEAMAtlassian Corp-Cl A | 0.11% | 2.25% | 2.14% |
20.6% of RULE is already inside RILA.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RILA or RULE?
RILA has an expense ratio of 0.50% while RULE charges 1.84%. RILA is the cheaper option, by $134 a year on a $10,000 investment.
Which performed better, RILA or RULE?
Over the past year RILA returned +4.95% vs +32.56% for RULE, so RULE leads on 1-year performance. Over the longest common window we track (2 years), RILA annualized +12.06% vs +19.12% for RULE. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RILA or RULE?
RULE has been the more volatile fund at 24.7% annualized versus 15.0% for RILA. Worst drawdown: RILA -20.0% vs RULE -19.5%.
Should I hold both RILA and RULE?
RILA and RULE have a monthly-return correlation of 0.66, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between RILA and RULE?
20.6% of RULE's money is in holdings RILA also owns. 20.6% of RULE's is in holdings RILA also owns. They hold 8 positions in common, counted across the 171 positions we hold weights for in RILA and 35 in RULE.
Which pays a higher dividend, RILA or RULE?
RILA yields 0.12% while RULE yields 0.00%, so RILA currently pays the higher dividend yield.
Is RULE better than RILA?
RILA has a lower expense ratio. RULE led over 1Y and the full window. RILA is less concentrated, with 38.6% of the fund in its ten largest positions against 39.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.