DEFR vs VXUS
Aptus Deferred 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 7861 holdings.
Side-by-Side Comparison
| Metric | DEFR | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.05% | |
| AUM | $142M | $156.5B | |
| Dividend Yield | 0.00% | 2.60% | |
| Holdings | 11 | 8,747 | |
| YTD Return | -0.13% | +14.57% | |
| 1Y Return | +3.33% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 4.3% | 15.1% | |
| Max Drawdown | -3.9% | -39.9% | |
| Fund Family | Aptus Capital Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 13, 2025 | Jan 26, 2011 |
DEFR vs VXUS Performance
Aptus Deferred Income ETF (DEFR) is a ETF from Aptus Capital Advisors and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year DEFR returned +3.33% while VXUS returned +27.82%. Year to date, DEFR is down 0.13% 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 4.3% for DEFR. 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 -3.9% for DEFR 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
DEFR 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, DEFR currently yields 0.00% against 2.60% for VXUS.
Holdings Overlap
DEFR and VXUS share 0 holdings out of 7862 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, DEFR or VXUS?
DEFR 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, DEFR or VXUS?
Over the past year DEFR returned +3.33% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (1 years), DEFR annualized +5.43% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, DEFR or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 4.3% for DEFR. Worst drawdown: DEFR -3.9% vs VXUS -39.9%.
Should I hold both DEFR and VXUS?
DEFR and VXUS have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DEFR and VXUS?
DEFR and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7862 unique securities.
Which pays a higher dividend, DEFR or VXUS?
DEFR yields 0.00% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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