RMDFX vs. VOO
Compare and contrast key facts about Aspiriant Defensive Allocation Fund (RMDFX) and Vanguard S&P 500 ETF (VOO).
RMDFX is managed by Aspiriant. It was launched on Dec 13, 2015. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
RMDFX vs. VOO - Performance Comparison
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RMDFX vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RMDFX Aspiriant Defensive Allocation Fund | 2.53% | 18.85% | 1.45% | 8.01% | -6.84% | 4.20% | 5.10% | 11.50% | -4.89% | 9.41% |
VOO Vanguard S&P 500 ETF | -4.42% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, RMDFX achieves a 2.53% return, which is significantly higher than VOO's -4.42% return. Over the past 10 years, RMDFX has underperformed VOO with an annualized return of 4.91%, while VOO has yielded a comparatively higher 14.05% annualized return.
RMDFX
- 1D
- 0.25%
- 1M
- -3.79%
- YTD
- 2.53%
- 6M
- 7.56%
- 1Y
- 17.15%
- 3Y*
- 9.46%
- 5Y*
- 5.23%
- 10Y*
- 4.91%
VOO
- 1D
- 2.86%
- 1M
- -5.01%
- YTD
- -4.42%
- 6M
- -1.84%
- 1Y
- 17.67%
- 3Y*
- 18.27%
- 5Y*
- 11.75%
- 10Y*
- 14.05%
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RMDFX vs. VOO - Expense Ratio Comparison
RMDFX has a 0.18% expense ratio, which is higher than VOO's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
RMDFX vs. VOO — Risk / Return Rank
RMDFX
VOO
RMDFX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Aspiriant Defensive Allocation Fund (RMDFX) and Vanguard S&P 500 ETF (VOO). 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.
| RMDFX | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 3.47 | 0.98 | +2.48 |
Sortino ratioReturn per unit of downside risk | 4.74 | 1.50 | +3.24 |
Omega ratioGain probability vs. loss probability | 1.75 | 1.23 | +0.53 |
Calmar ratioReturn relative to maximum drawdown | 4.07 | 1.53 | +2.54 |
Martin ratioReturn relative to average drawdown | 17.19 | 7.29 | +9.90 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| RMDFX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 3.47 | 0.98 | +2.48 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.83 | 0.70 | +0.13 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.79 | 0.78 | +0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.78 | 0.83 | -0.05 |
Correlation
The correlation between RMDFX and VOO is 0.70, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
RMDFX vs. VOO - Dividend Comparison
RMDFX's dividend yield for the trailing twelve months is around 4.52%, more than VOO's 1.19% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RMDFX Aspiriant Defensive Allocation Fund | 4.52% | 4.63% | 0.00% | 3.69% | 0.78% | 5.37% | 2.28% | 3.78% | 4.11% | 2.16% | 1.16% | 0.00% |
VOO Vanguard S&P 500 ETF | 1.19% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
RMDFX vs. VOO - Drawdown Comparison
The maximum RMDFX drawdown since its inception was -15.96%, smaller than the maximum VOO drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for RMDFX and VOO.
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Drawdown Indicators
| RMDFX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.96% | -33.99% | +18.03% |
Max Drawdown (1Y)Largest decline over 1 year | -4.19% | -11.98% | +7.79% |
Max Drawdown (5Y)Largest decline over 5 years | -14.63% | -24.52% | +9.89% |
Max Drawdown (10Y)Largest decline over 10 years | -15.96% | -33.99% | +18.03% |
Current DrawdownCurrent decline from peak | -3.79% | -6.29% | +2.50% |
Average DrawdownAverage peak-to-trough decline | -3.37% | -3.72% | +0.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.99% | 2.52% | -1.53% |
Volatility
RMDFX vs. VOO - Volatility Comparison
The current volatility for Aspiriant Defensive Allocation Fund (RMDFX) is 1.99%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.29%. This indicates that RMDFX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RMDFX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.99% | 5.29% | -3.30% |
Volatility (6M)Calculated over the trailing 6-month period | 3.83% | 9.44% | -5.61% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.01% | 18.10% | -13.09% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.34% | 16.82% | -10.48% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.20% | 17.99% | -11.79% |