USRT vs VICCX Fund Comparison

A comparison between USRT and VICCX based on their expense ratio, growth, holdings and how well they match their benchmark performance.

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Minafi's Take on USRT vs VICCX

Here's an in depth look at the differences between iShares Core U.S. REIT ETF($USRT) and USA Mutuals Vitium Global Fund Class C Shares($VICCX).

To start off, here's a look at the basics of each fund. Keep an eye on the FI Score. That's a custom score from 0 to 100 that we generate based on how good this fund is for the casual investor. Most investors only need a handful of total funds in their portfolio. The higher the score, the more likely this is one of those few. Score alone isn't enough! Keep reading on to see how different (or perhaps similar) these two funds are.

  • usrt
  • ETF
  • Alternatives
  • Real Estate

iShares Core U.S. REIT ETF

Expenses: 0.08% (Better than 1% of similar funds)

This is an OK choice for a Real Estate Alternatives fund. See why »

  • viccx
  • Mutual Fund
  • Allocation
  • Total World

USA Mutuals Vitium Global Fund Class C Shares

Expenses: 2.24% (Better than 0% of similar funds)

This is a bad choice for a Total World Allocation fund. See why »

$USRT is classified as an ETF while $VICCX is classified as a Mutual Fund. Even though one of these is a mutual fund and the other is an ETF, that doesn't matter too much for their holdings. Both ETFs and mutual funds are just containers to hold lots of investments inside of them.

The biggest differences between these two is where they may be offered. ETFs are more widely availble from a larger number of investment apps and websites. Mutual funds, on the other hand, are generally offered by the platform they're issued by (Fidelity funds on Fidelity, Vanguard funds on Vanguard). Usually 401(k)'s will offer both ETFs and Mutual Funds. If you're investing outside of a 401(k), I'd recommend you verify the fees associated with ETF and mutual fund transactions. Some platforms charge an additional fee to purchase a mutual fund.

To learn more about the difference between these two, you can read about the difference between ETFs and Mutual Funds.

When evaluating a fund, the first things I look at are:

  • What it invests in
  • How much it charges in fees
  • How large the fund is

Let's look into these criteria one by one and see if either of these funds stands out.

Fund Holdings Comparison

Minafi's FI Score algorithm takes into account the category and market. The more niche a fund is, the lower the score. This doesn't mean it's a worse fund, but it does mean you should stop and make sure this a fund you need to diversify your portfolio.

USRTVICCX
Market Score 7.5 /10 3.9 /10
Category Score 0.0 /10 5.0 /10
Total7.58.9

A score of 10 means this is a solid market and category that almost every investor will want to have investments in. The lower the score, the more specific the investment. These scores are based on when most investors would add these funds to their portfolio. A score of 10 means that this fund (or one like it) belongs in a three-fund portfolio. The lower the score, the farther down in your portfolio a fund would go.

Winner: $VICCX

Fee Comparison

Fees are one of the biggest killers of portfolio growth. The difference between a 2% fee and a 0.04% fee over 30 years can result in your portfolio having half the total value!

If you're just getting started investing and learning how fees impact your portfolio, I'd encourage you to read through my free investment course (specifically '2.2 - All About Fees') where I go over all the different types of fees you can be charged and how to lower them.

For these two funds, USRT has an expense ratio of 0.08% while VICCX has an expense ratio of 2.24%.

Winner: $USRT

Fund Size Comparison

One place these two funds differ is in their total assets under management. This is a good indication of how many other investors trust this fund. A large fund by itself doesn't mean it's a good fund, but it is one thing to consider when figuring out how to choose the right fund.

In the case of these two funds, USRT is a large fund with 1.31 Billion in assets under management. VICCX, on the other hand, is a small fund with 115 Million in assets under management.

Winner: $USRT, iShares Core U.S. REIT ETF

Which Should You Choose? USRT or VICCX?

Comparing these two funds isn't an apples to apples comparison. USRT is a AlternativesReal Estate fund, while VICCX is a AllocationTotal World fund.

If you're aiming to build a diversified, low-fee, tax-optimized portfolio you likely won't be choosing between these two funds since they're different enough.

Running both of these funds through Minafi's FI Score algorithm, gives USRT a score of 79 and VICCX a score of 21.

Winner: Neither, I'd research more funds if you're looking to invest for retirement.

$USRT

iShares Core U.S. REIT ETF

79

Read More
Ratings
Rating TypeRating
Diversification Score9/10
Expense Ratio Score10/10
Expense Rating9/10
Market Score8/10
Category Score0/10
Overview
OverviewDetails
Fund TypeETF
Inception DateMay-1-2007
ExchangeNYSE ARCA
Expense Ratio0.080%
Net Assets1.31 Billion
Yield4.28%
Holdings
DescriptionInfo
MarketAlternatives
CategoryReal Estate
Sectors
  • Basic Materials 0.00%
  • Communication Services 0.00%
  • Consumer Cyclicals 0.00%
  • Consumer Defensive 0.00%
  • Energy 0.00%
  • Financial Services 0.00%
  • Healthcare 0.00%
  • Industrials 0.00%
  • Real Estate 100.00%
  • Technology 0.00%
  • Utilities 0.00%
Regions
  • North America 100.00%

$VICCX

USA Mutuals Vitium Global Fund Class C Shares

21

Read More
Ratings
Rating TypeRating
Expense Ratio Score0/10
Expense Rating0/10
Market Score4/10
Category Score5/10
Overview
OverviewDetails
Fund TypeMutual Fund
Inception DateAug-30-2002
ExchangeNMFQS
Expense Ratio2.240%
Net Assets115 Million
Yield0.46%
Holdings
DescriptionInfo
MarketAllocation
CategoryTotal World
Sectors
  • Basic Materials 0.00%
  • Communication Services 0.00%
  • Consumer Cyclical 27.45%
  • Consumer Defensive 39.65%
  • Energy 4.61%
  • Financial Services 0.00%
  • Healthcare 0.00%
  • Industrials 25.17%
  • Real Estate 3.12%
  • Technology 0.00%
  • Utilities 0.00%
Regions
  • Asia Developed 15.02%
  • Europe Developed 20.69%
  • North America 49.27%
  • United Kingdom 15.02%

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