RISN vs VTI
Inspire Capital Appreciation ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, RISN or VTI?
Equity-oriented Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 53.9%.
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 | RISN | VTI |
|---|---|---|
| Expense Ratio | 0.72% | 0.03%Best |
| AUM | $69M | $689.2B |
| Dividend Yield | 1.08% | 1.06% |
| Holdings | 58 | 3,524 |
| YTD Return | +4.95% | +13.02%Best |
| 1Y Return | +3.98% | +16.63%Best |
| 3Y Return (annualized) | +10.97% | +21.97%Best |
| 5Y Return (annualized) | +3.59% | +11.99%Best |
| Volatility (annualized) | 11.2%Best | 15.6% |
| Max Drawdown | -21.9%Best | -25.4% |
| $10,000 over 5 years | $11,929 | $17,616Best |
| Top 10 Weight | 53.9% | 33.5%Best |
| Fund Family | Inspire ETFs | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Blend |
| Inception | Jul 15, 2020 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Jul 16, 2020 to Oct 14, 2026 (6.2 years).
RISN vs VTI 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 6.2 years both funds cover.
RISN vs VTI Performance
Inspire Capital Appreciation ETF (RISN) is an ETF from Inspire ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year RISN returned +3.98% while VTI returned +16.63%. Year to date, RISN is up 4.95% versus a gain of 13.02% for VTI.
Over three years, RISN compounded at +10.97% per year against +21.97% for VTI; over five years the annualized figures are +3.59% and +11.99% respectively. Across the full 6-year window we track, VTI has the edge at +15.87% annualized vs +5.87%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 11.2% for RISN. 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 -21.9% for RISN and -25.4% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RISN charges 0.72% per year while VTI charges 0.03%. On a $10,000 position that is $72 vs $3 annually, a gap of $69 per year that compounds over a long holding period. On income, RISN currently yields 1.08% against 1.06% for VTI.
Holdings Overlap
74.0% of RISN's money is in holdings VTI also owns. 1.5% of VTI's money is in holdings RISN also owns.
Most of RISN is already inside VTI. Owning both mostly buys the same companies twice.
25 positions in common, counted across the 28 positions we hold weights for in RISN and 3,441 in VTI, against full books of 58 and 3,524.
What only one of them owns
Our book lists 1,131 positions for VTI that do not appear in our book for RISN (96.1% of the fund), and 3 for RISN that do not appear in VTI (25.5%).
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 RISN | Weight in VTI | Difference |
|---|---|---|---|
| FTNTFortinet Inc | 6.48% | 0.14% | 6.34% |
| SMCISuper Micro Computer Inc Common Stock USD.001 | 3.84% | 0.03% | 3.81% |
| QLYSQualys Inc | 3.83% | 0.01% | 3.82% |
| SIRISirius Xm Holdings Inc Common Stock | 3.63% | 0.01% | 3.62% |
| EXPDExpeditors International Of Washington Inc | 3.50% | 0.03% | 3.47% |
| FASTFastenal Co. | 3.40% | 0.08% | 3.32% |
| LSTRLandstar System Inc | 3.38% | 0.01% | 3.37% |
| MANHManhattan Associates Inc | 3.29% | 0.02% | 3.27% |
| ODFLOld Dominion Freig | 3.21% | 0.05% | 3.16% |
| MEDPMedpace Holdings Inc | 3.17% | 0.02% | 3.15% |
74.0% of RISN is already inside VTI.
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, RISN or VTI?
RISN has an expense ratio of 0.72% while VTI charges 0.03%. VTI is the cheaper option, by $69 a year on a $10,000 investment.
Which performed better, RISN or VTI?
Over the past year RISN returned +3.98% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), RISN annualized +5.87% vs +15.87% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RISN or VTI?
VTI has been the more volatile fund at 15.6% annualized versus 11.2% for RISN. Worst drawdown: RISN -21.9% vs VTI -25.4%.
Should I hold both RISN and VTI?
RISN and VTI have a monthly-return correlation of 0.75, 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 RISN and VTI?
74.0% of RISN's money is in holdings VTI also owns. 1.5% of VTI's is in holdings RISN also owns. They hold 25 positions in common, counted across the 28 positions we hold weights for in RISN and 3,441 in VTI.
Which pays a higher dividend, RISN or VTI?
RISN yields 1.08% while VTI yields 1.06%, so RISN currently pays the higher dividend yield.
Is VTI better than RISN?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 53.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.