DECT vs VXUS
DECT vs VXUS
AllianzIM US Equity Buffer10 Dec 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 | DECT | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.05% | |
| AUM | $124M | $156.5B | |
| Dividend Yield | 0.00% | 2.60% | |
| Holdings | 5 | 8,747 | |
| YTD Return | +9.82% | +14.57% | |
| 1Y Return | +18.73% | +27.82% | |
| 3Y Return (annualized) | +13.80% | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 9.0% | 15.1% | |
| Max Drawdown | -13.3% | -39.9% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Nov 30, 2022 | Jan 26, 2011 |
DECT vs VXUS Performance
AllianzIM US Equity Buffer10 Dec ETF (DECT) is a ETF from AllianzIM and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year DECT returned +18.73% while VXUS returned +27.82%. Year to date, DECT is up 9.82% versus a gain of 14.57% for VXUS.
Over three years, DECT compounded at +13.80% per year against +19.27% for VXUS. Across the full 4-year window we track, DECT has the edge at +13.86% 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 9.0% for DECT. 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 -13.3% for DECT 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DECT charges 0.74% per year while VXUS charges 0.05%. On a $10,000 position that is $74 vs $5 annually, a gap of $69 per year that compounds over a long holding period. On income, DECT currently yields 0.00% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, DECT or VXUS?
DECT has an expense ratio of 0.74% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, DECT or VXUS?
Over the past year DECT returned +18.73% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (4 years), DECT annualized +13.86% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, DECT or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 9.0% for DECT. Worst drawdown: DECT -13.3% vs VXUS -39.9%.
Should I hold both DECT and VXUS?
DECT and VXUS have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, DECT or VXUS?
DECT yields 0.00% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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