DECU vs VXUS
DECU vs VXUS
AllianzIM US Equity Buffer15 Uncapped 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 | DECU | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.05% | |
| AUM | $53M | $156.5B | |
| Dividend Yield | 0.00% | 2.60% | |
| Holdings | 4 | 8,747 | |
| YTD Return | +9.64% | +14.57% | |
| 1Y Return | +16.45% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 8.4% | 15.1% | |
| Max Drawdown | -10.7% | -39.9% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Nov 29, 2024 | Jan 26, 2011 |
DECU vs VXUS Performance
AllianzIM US Equity Buffer15 Uncapped Dec ETF (DECU) is a ETF from AllianzIM and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year DECU returned +16.45% while VXUS returned +27.82%. Year to date, DECU is up 9.64% versus a gain of 14.57% for VXUS.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 8.4% for DECU. 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 -10.7% for DECU 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DECU 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, DECU currently yields 0.00% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, DECU or VXUS?
DECU 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, DECU or VXUS?
Over the past year DECU returned +16.45% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), DECU annualized +11.28% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, DECU or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 8.4% for DECU. Worst drawdown: DECU -10.7% vs VXUS -39.9%.
Should I hold both DECU and VXUS?
DECU and VXUS have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, DECU or VXUS?
DECU yields 0.00% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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