RILA vs VOO
5Y[…]3 years · per year[…] · $19,172+24.2%
[…]5 years · per year[…] · $18,115+12.6%
0.50%Expense ratio$50 · $3 on $10k · lower wins0.03%
0.12%12-mo yield$12 · $105 on $10k1.05%
−15.8%Worst dropSmaller wins−8.9%
17.0%VolatilityLower wins12.8%
0–4VOO wins
$10,000 · 5 yearsOne scale
Shared top holdingsRILA · VOO
4.8%NVDA8.4%
3.5%AMZN3.7%
4.3%AVGO2.5%
1.8%META2.4%
Held in common28.6%
End-of-day Nov 4, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two