RILA vs VOO
5Y[…]3 years · per year[…] · $18,079+21.8%
[…]5 years · per year[…] · $17,177+11.4%
0.50%Expense ratio$50 · $3 on $10k · lower wins0.03%
0.13%12-mo yield$13 · $110 on $10k1.10%
−14.9%Worst dropSmaller wins−8.9%
17.6%VolatilityLower wins13.5%
0–4VOO wins
$10,000 · 5 yearsAll three, one scale
Shared top holdingsRILA · VOO
4.4%NVDA8.4%
3.8%AMZN3.7%
3.9%AVGO2.5%
1.8%META2.4%
Held in common28.5%
End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two