BPAY vs VXUS
iShares FinTech Active ETF 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 | BPAY | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.05% | |
| AUM | $9M | $156.5B | |
| Dividend Yield | 7.10% | 2.60% | |
| Holdings | 42 | 8,747 | |
| YTD Return | -1.32% | +14.57% | |
| 1Y Return | -12.43% | +27.82% | |
| 3Y Return (annualized) | +9.64% | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 24.3% | 15.1% | |
| Max Drawdown | -33.6% | -39.9% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 16, 2022 | Jan 26, 2011 |
BPAY vs VXUS Performance
iShares FinTech Active ETF (BPAY) is a ETF from BlackRock, Inc. (US) and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year BPAY returned -12.43% while VXUS returned +27.82%. Year to date, BPAY is down 1.32% versus a gain of 14.57% for VXUS.
Over three years, BPAY compounded at +9.64% per year against +19.27% for VXUS. Across the full 4-year window we track, VXUS has the edge at +4.86% annualized vs +4.59%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BPAY has been the more volatile fund, with annualized monthly volatility of 24.3% compared with 15.1% for VXUS. 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 -33.6% for BPAY 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BPAY charges 0.55% per year while VXUS charges 0.05%. On a $10,000 position that is $55 vs $5 annually, a gap of $50 per year that compounds over a long holding period. On income, BPAY currently yields 7.10% against 2.60% for VXUS.
Holdings Overlap
BPAY and VXUS share 5 holdings out of 7895 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BPAY or VXUS?
BPAY has an expense ratio of 0.55% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $50 per year of difference.
Which performed better, BPAY or VXUS?
Over the past year BPAY returned -12.43% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (4 years), BPAY annualized +4.59% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, BPAY or VXUS?
BPAY has been the more volatile fund at 24.3% annualized versus 15.1% for VXUS. Worst drawdown: BPAY -33.6% vs VXUS -39.9%.
Should I hold both BPAY and VXUS?
BPAY and VXUS have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BPAY and VXUS?
BPAY and VXUS share 5 common holdings with a 0.1% weight overlap. Combined, they hold 7895 unique securities.
Which pays a higher dividend, BPAY or VXUS?
BPAY yields 7.10% while VXUS yields 2.60%, so BPAY currently pays the higher dividend yield.
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