RWLC vs. VTI

Last updated Aug 2, 2026

RWLC (Rayliant Wilshire NxtGen US Large Cap Equity ETF) and VTI (Vanguard Total Stock Market ETF) are both Large Cap Blend Equities funds - RWLC tracks the S&P 500 while VTI tracks the CRSP US Total Market Index. Both are passively managed. Over the past 3 years, RWLC returned 22.21%/yr vs 18.92%/yr for VTI. Their correlation of 0.84 means they have usually moved in the same direction. RWLC charges 0.32%/yr vs 0.03%/yr for VTI.

Performance

RWLC vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Rayliant Wilshire NxtGen US Large Cap Equity ETF (RWLC) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, RWLC achieves a 13.66% return, which is significantly higher than VTI's 10.49% return.

RWLC

• 1D: 0.44%
• 1M: 1.79%
• 6M: 12.19%
• YTD: 13.66%
• 1Y: 20.00%
• 3Y*: 22.21%
• 5Y*: —
• 10Y*: —
• ALL TIME*: 13.43%

VTI

• 1D: 0.53%
• 1M: -0.15%
• 6M: 8.77%
• YTD: 10.49%
• 1Y: 21.84%
• 3Y*: 18.92%
• 5Y*: 11.74%
• 10Y*: 14.63%
• ALL TIME*: 9.58%

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

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
RWLC Rayliant Wilshire NxtGen US Large Cap Equity ETF	$304.58K	$332.22K	$297.28K
VTI Vanguard Total Stock Market ETF	$1.06B	$1.16B	$1.24B

RWLC vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
RWLC Rayliant Wilshire NxtGen US Large Cap Equity ETF	13.66%	20.23%	28.58%	14.40%	-12.40%	1.69%
VTI Vanguard Total Stock Market ETF	10.49%	17.10%	23.81%	26.05%	-19.52%	1.30%

Correlation

The correlation between RWLC and VTI is 0.72, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.72
Correlation (3Y) Balances recent behavior with more history.	0.82
Correlation (All Time) Calculated using the full available price history since Dec 16, 2021	0.84

The correlation between RWLC and VTI shifts across timeframes, from 0.72 (1 year) to 0.84 (all time), reflecting how their relationship changes across market environments.

RWLC vs. VTI - Sectors Allocation Comparison

Sectors	RWLC	VTI
Technology	41.4%	36.1%
Financial Services	13.2%	11.8%
Healthcare	12.5%	9.7%
Consumer Cyclical	9.0%	9.4%
Communication Services	8.5%	9.1%
Energy	5.6%	3.2%
Consumer Defensive	4.4%	4.3%
Basic Materials	2.1%	1.9%
Industrials	1.1%	10.2%
Utilities	0.9%	2.2%
Real Estate	0.8%	2.3%

Return for Risk

RWLC vs. VTI — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

RWLC

RWLC Risk / Return Rank: 54
RWLC Sharpe Ratio Rank: 51
RWLC Sortino Ratio Rank: 56
RWLC Omega Ratio Rank: 51
RWLC Calmar Ratio Rank: 55
RWLC Martin Ratio Rank: 59

VTI

VTI Risk / Return Rank: 67
VTI Sharpe Ratio Rank: 67
VTI Sortino Ratio Rank: 64
VTI Omega Ratio Rank: 64
VTI Calmar Ratio Rank: 65
VTI Martin Ratio Rank: 77

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

RWLC vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Rayliant Wilshire NxtGen US Large Cap Equity ETF (RWLC) and Vanguard Total Stock Market ETF (VTI). 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.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	RWLC	VTI	Difference
Sharpe ratio: Return per unit of total volatility	1.26	1.52	-0.26
Sortino ratio: Return per unit of downside risk	1.95	2.12	-0.17
Omega ratio: Gain probability vs. loss probability	1.23	1.27	-0.04
Calmar ratio: Return relative to maximum drawdown	1.98	2.23	-0.25
Martin ratio: Return relative to average drawdown	7.14	9.62	-2.48

RWLC vs. VTI - Sharpe Ratio Comparison

The current RWLC Sharpe Ratio is 1.26, which is comparable to the VTI Sharpe Ratio of 1.52. The chart below compares the historical Sharpe Ratios of RWLC and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

RWLC vs. VTI - Drawdown Comparison

The maximum RWLC drawdown since its inception was -21.00%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for RWLC and VTI.

Drawdown Indicators

	RWLC	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-21.00%	-55.45%	+34.45%
Max Drawdown (1Y) Largest decline over 1 year	-9.33%	-8.92%	-0.41%
Max Drawdown (3Y) Largest decline over 3 years	-16.20%	-19.30%	+3.10%
Max Drawdown (5Y) Largest decline over 5 years	—	-25.36%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-35.00%	—
Current Drawdown Current decline from peak	-0.17%	-1.36%	+1.19%
Average Drawdown Average peak-to-trough decline	-5.29%	-7.99%	+2.70%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.59%	2.07%	+0.52%

Volatility

RWLC vs. VTI - Volatility Comparison

The current volatility for Rayliant Wilshire NxtGen US Large Cap Equity ETF (RWLC) is 2.64%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 3.46%. This indicates that RWLC experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	RWLC	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.64%	3.46%	-0.82%
Volatility (6M) Calculated over the trailing 6-month period	10.01%	10.24%	-0.23%
Volatility (1Y) Calculated over the trailing 1-year period	14.65%	13.10%	+1.55%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	16.42%	17.51%	-1.09%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.42%	18.30%	-1.88%

RWLC vs. VTI - Expense Ratio Comparison

RWLC has a 0.32% expense ratio, which is higher than VTI's 0.03% expense ratio.

Dividends

RWLC vs. VTI - Dividend Comparison

RWLC's dividend yield for the trailing twelve months is around 12.92%, more than VTI's 1.06% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
RWLC Rayliant Wilshire NxtGen US Large Cap Equity ETF	12.92%	14.69%	0.98%	1.63%	1.39%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VTI Vanguard Total Stock Market ETF	1.06%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both RWLC and VTI in my portfolio?

RWLC and VTI have a correlation of 0.72, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, RWLC or VTI?

VTI has higher volatility (3.46%) compared to RWLC (2.64%). In terms of maximum drawdown, RWLC dropped -21.00% vs VTI's -55.45%.

Which ETF is better, RWLC or VTI?

On 3-year performance, RWLC leads with 22.21% vs 18.92% for VTI. On fees, VTI is cheaper at 0.03% per year. On volatility, RWLC has been the lower-risk option at 2.64%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, RWLC or VTI?

Over the 3-year period, RWLC has performed better with a 22.21% return vs 18.92%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, RWLC or VTI?

VTI is cheaper with a 0.03% expense ratio, compared with 0.32% for RWLC.

Which ETF pays a higher dividend yield, RWLC or VTI?

RWLC has the higher dividend yield at 12.92%, compared with 1.06% for VTI.

What is the main difference between RWLC and VTI?

RWLC tracks S&P 500, while VTI tracks CRSP US Total Market Index. They also come from different issuers: Rayliant and Vanguard. Their fees differ too: 0.32% for RWLC and 0.03% for VTI.

Which has better risk-adjusted returns?

VTI currently has the higher Sharpe Ratio (1.52 vs 1.26), 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.