CRDT vs VXUS
Simplify Opportunistic Income 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 8,747 holdings.
Side-by-Side Comparison
| Metric | CRDT | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.05% | |
| AUM | $36M | $158.1B | |
| Dividend Yield | 5.95% | 2.59% | |
| Holdings | 54 | 8,747 | |
| YTD Return | +5.32% | +15.22% | |
| 1Y Return | +4.77% | +26.86% | |
| 3Y Return (annualized) | +4.55% | +20.34% | |
| 5Y Return (annualized) | - | +9.38% | |
| Volatility (annualized) | 5.7% | 15.1% | |
| Max Drawdown | -9.8% | -39.9% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 26, 2023 | Jan 26, 2011 |
CRDT vs VXUS Performance
Simplify Opportunistic Income ETF (CRDT) is a ETF from Simplify Exchange Traded Funds and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year CRDT returned +4.77% while VXUS returned +26.86%. Year to date, CRDT is up 5.32% versus a gain of 15.22% for VXUS.
Over three years, CRDT compounded at +4.55% per year against +20.34% for VXUS. Across the full 3-year window we track, VXUS has the edge at +4.89% annualized vs +4.83%. 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 5.7% for CRDT. 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 -9.8% for CRDT 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 0.43. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CRDT charges 0.99% per year while VXUS charges 0.05%. On a $10,000 position that is $99 vs $5 annually, a gap of $94 per year that compounds over a long holding period. On income, CRDT currently yields 5.95% against 2.59% for VXUS.
Holdings Overlap
CRDT and VXUS share 0 holdings out of 7886 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRDT or VXUS?
CRDT has an expense ratio of 0.99% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $94 per year of difference.
Which performed better, CRDT or VXUS?
Over the past year CRDT returned +4.77% vs +26.86% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (3 years), CRDT annualized +4.83% vs +4.89% for VXUS. Past performance does not guarantee future results.
Which is riskier, CRDT or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 5.7% for CRDT. Worst drawdown: CRDT -9.8% vs VXUS -39.9%.
Should I hold both CRDT and VXUS?
CRDT and VXUS have a monthly-return correlation of 0.43, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRDT and VXUS?
CRDT and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7886 unique securities.
Which pays a higher dividend, CRDT or VXUS?
CRDT yields 5.95% while VXUS yields 2.59%, so CRDT currently pays the higher dividend yield.
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