RILA vs. MFUS

Last updated Jun 4, 2026

RILA (Indexperts Gorilla Aggressive Growth ETF) and MFUS (PIMCO RAFI Dynamic Multi-Factor U.S. Equity ETF) are both Large Cap Growth Equities funds. RILA is actively managed, while MFUS is passively managed. Over the past year, RILA returned 12.73% vs 28.04% for MFUS. A 0.72 correlation means they provide meaningful diversification when combined. RILA charges 0.50%/yr vs 0.30%/yr for MFUS.

Performance

RILA vs. MFUS - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Indexperts Gorilla Aggressive Growth ETF (RILA) and PIMCO RAFI Dynamic Multi-Factor U.S. Equity ETF (MFUS). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, RILA achieves a 5.54% return, which is significantly lower than MFUS's 16.37% return.

RILA

• 1D: -1.28%
• 1M: 7.26%
• YTD: 5.54%
• 6M: 4.59%
• 1Y: 12.73%
• 3Y*: —
• 5Y*: —
• 10Y*: —

MFUS

• 1D: 0.03%
• 1M: 5.72%
• YTD: 16.37%
• 6M: 16.58%
• 1Y: 28.04%
• 3Y*: 22.25%
• 5Y*: 12.82%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

RILA vs. MFUS - Yearly Performance Comparison

	2026 (YTD)	2025
RILA Indexperts Gorilla Aggressive Growth ETF	5.54%	15.46%
MFUS PIMCO RAFI Dynamic Multi-Factor U.S. Equity ETF	16.37%	15.97%

Correlation

The correlation between RILA and MFUS is 0.65, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.65
Correlation (All Time) Calculated using the full available price history since Jan 3, 2025	0.72

The correlation between RILA and MFUS has been stable across timeframes, ranging from 0.65 to 0.72 - a consistent structural relationship.

Return for Risk

RILA vs. MFUS — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

RILA

RILA Risk / Return Rank: 22
RILA Sharpe Ratio Rank: 24
RILA Sortino Ratio Rank: 23
RILA Omega Ratio Rank: 23
RILA Calmar Ratio Rank: 19
RILA Martin Ratio Rank: 20

MFUS

MFUS Risk / Return Rank: 82
MFUS Sharpe Ratio Rank: 80
MFUS Sortino Ratio Rank: 83
MFUS Omega Ratio Rank: 78
MFUS Calmar Ratio Rank: 83
MFUS Martin Ratio Rank: 86

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

RILA vs. MFUS - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Indexperts Gorilla Aggressive Growth ETF (RILA) and PIMCO RAFI Dynamic Multi-Factor U.S. Equity ETF (MFUS). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	RILA	MFUS	Difference
Sharpe ratio: Return per unit of total volatility	0.81	2.63	-1.82
Sortino ratio: Return per unit of downside risk	1.22	3.77	-2.55
Omega ratio: Gain probability vs. loss probability	1.15	1.47	-0.32
Calmar ratio: Return relative to maximum drawdown	0.77	4.41	-3.64
Martin ratio: Return relative to average drawdown	2.32	18.13	-15.81
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

RILA vs. MFUS - Sharpe Ratio Comparison

The current RILA Sharpe Ratio is 0.81, which is lower than the MFUS Sharpe Ratio of 2.63. The chart below compares the historical Sharpe Ratios of RILA and MFUS, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	RILA	MFUS	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.81	2.63	-1.82
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.86	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.75	0.79	-0.04

Drawdowns

RILA vs. MFUS - Drawdown Comparison

The maximum RILA drawdown since its inception was -19.99%, smaller than the maximum MFUS drawdown of -35.21%. Use the drawdown chart below to compare losses from any high point for RILA and MFUS.

Drawdown Indicators

	RILA	MFUS	Difference
Max Drawdown Largest peak-to-trough decline	-19.99%	-35.21%	+15.22%
Max Drawdown (1Y) Largest decline over 1 year	-16.54%	-6.39%	-10.15%
Max Drawdown (3Y) Largest decline over 3 years	—	-15.39%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-18.22%	—
Current Drawdown Current decline from peak	-1.40%	0.00%	-1.40%
Average Drawdown Average peak-to-trough decline	-4.52%	-4.00%	-0.52%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.51%	1.55%	+3.96%

Volatility

RILA vs. MFUS - Volatility Comparison

Indexperts Gorilla Aggressive Growth ETF (RILA) has a higher volatility of 3.98% compared to PIMCO RAFI Dynamic Multi-Factor U.S. Equity ETF (MFUS) at 3.19%. This indicates that RILA's price experiences larger fluctuations and is considered to be riskier than MFUS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	RILA	MFUS	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.98%	3.19%	+0.79%
Volatility (6M) Calculated over the trailing 6-month period	11.98%	8.22%	+3.76%
Volatility (1Y) Calculated over the trailing 1-year period	15.78%	10.72%	+5.06%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	20.24%	15.03%	+5.21%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	20.24%	17.35%	+2.89%

RILA vs. MFUS - Expense Ratio Comparison

RILA has a 0.50% expense ratio, which is higher than MFUS's 0.30% expense ratio.

Dividends

RILA vs. MFUS - Dividend Comparison

RILA's dividend yield for the trailing twelve months is around 0.10%, less than MFUS's 1.36% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
MFUS PIMCO RAFI Dynamic Multi-Factor U.S. Equity ETF	1.36%	1.54%	1.45%	1.96%	2.07%	1.35%	1.72%	1.89%	1.69%	1.01%
RILA Indexperts Gorilla Aggressive Growth ETF	0.10%	0.08%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both RILA and MFUS in my portfolio?

RILA and MFUS have a correlation of 0.65, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, RILA or MFUS?

RILA has higher volatility (3.98%) compared to MFUS (3.19%). In terms of maximum drawdown, RILA dropped -19.99% vs MFUS's -35.21%.

Which ETF is better, RILA or MFUS?

On 1-year performance, MFUS leads with 28.04% vs 12.73% for RILA. On fees, MFUS is cheaper at 0.30% per year. On volatility, MFUS has been the lower-risk option at 3.19%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, RILA or MFUS?

Over the 1-year period, MFUS has performed better with a 28.04% return vs 12.73%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, RILA or MFUS?

MFUS is cheaper with a 0.30% expense ratio, compared with 0.50% for RILA.

Which ETF pays a higher dividend yield, RILA or MFUS?

MFUS has the higher dividend yield at 1.36%, compared with 0.10% for RILA.

What is the main difference between RILA and MFUS?

They also come from different issuers: Indexperts and PIMCO. Their fees differ too: 0.50% for RILA and 0.30% for MFUS.

Which has better risk-adjusted returns?

MFUS currently has the higher Sharpe Ratio (2.63 vs 0.81), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.