BDEC vs VXUS
BDEC vs VXUS
Innovator US Equity Buffer ETF - December vs Vanguard Total International Stock ETF
Quick Verdict
VXUS has a lower expense ratio. VXUS delivered stronger 1-year returns. VXUS offers more diversification with 7861 holdings.
Side-by-Side Comparison
| Metric | BDEC | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.05% | |
| AUM | $218M | $156.5B | |
| Dividend Yield | 0.00% | 2.60% | |
| Holdings | 6 | 8,747 | |
| YTD Return | +10.14% | +14.57% | |
| 1Y Return | +19.10% | +27.82% | |
| 3Y Return (annualized) | +14.28% | +19.27% | |
| 5Y Return (annualized) | +10.26% | +9.28% | |
| Volatility (annualized) | 12.0% | 15.1% | |
| Max Drawdown | -25.6% | -39.9% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Nov 29, 2019 | Jan 26, 2011 |
BDEC vs VXUS Performance
Innovator US Equity Buffer ETF - December (BDEC) is a ETF from Innovator ETFs Trust and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year BDEC returned +19.10% while VXUS returned +27.82%. Year to date, BDEC is up 10.14% versus a gain of 14.57% for VXUS.
Over three years, BDEC compounded at +14.28% per year against +19.27% for VXUS; over five years the annualized figures are +10.26% and +9.28% respectively. Across the full 7-year window we track, BDEC has the edge at +11.56% annualized vs +4.86%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 12.0% for BDEC. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -25.6% for BDEC and -39.9% for VXUS. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BDEC charges 0.79% per year while VXUS charges 0.05%. On a $10,000 position that is $79 vs $5 annually, a gap of $74 per year that compounds over a long holding period. On income, BDEC currently yields 0.00% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, BDEC or VXUS?
BDEC has an expense ratio of 0.79% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $74 per year of difference.
Which performed better, BDEC or VXUS?
Over the past year BDEC returned +19.10% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (7 years), BDEC annualized +11.56% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, BDEC or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 12.0% for BDEC. Worst drawdown: BDEC -25.6% vs VXUS -39.9%.
Should I hold both BDEC and VXUS?
BDEC and VXUS have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, BDEC or VXUS?
BDEC yields 0.00% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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