FIAT vs VXUS
YieldMax Short COIN Option Income Strategy 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 | FIAT | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 1.05% | 0.05% | |
| AUM | $33M | $158.1B | |
| Dividend Yield | 100.90% | 2.59% | |
| Holdings | 26 | 8,747 | |
| YTD Return | +5.35% | +14.51% | |
| 1Y Return | +20.73% | +26.56% | |
| 3Y Return (annualized) | - | +19.95% | |
| 5Y Return (annualized) | - | +8.87% | |
| Volatility (annualized) | 56.2% | 15.0% | |
| Max Drawdown | -70.5% | -39.9% | |
| Fund Family | YieldMax ETF | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jul 9, 2024 | Jan 26, 2011 |
FIAT vs VXUS Performance
YieldMax Short COIN Option Income Strategy ETF (FIAT) is a ETF from YieldMax ETF and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year FIAT returned +20.73% while VXUS returned +26.56%. Year to date, FIAT is up 5.35% versus a gain of 14.51% for VXUS.
Risk: Volatility and Drawdowns
FIAT has been the more volatile fund, with annualized monthly volatility of 56.2% compared with 15.0% 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 -70.5% for FIAT 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 -0.09. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FIAT charges 1.05% per year while VXUS charges 0.05%. On a $10,000 position that is $105 vs $5 annually, a gap of $100 per year that compounds over a long holding period. On income, FIAT currently yields 100.90% against 2.59% for VXUS.
Holdings Overlap
FIAT and VXUS share 0 holdings out of 8097 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, FIAT or VXUS?
FIAT has an expense ratio of 1.05% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $100 per year of difference.
Which performed better, FIAT or VXUS?
Over the past year FIAT returned +20.73% vs +26.56% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), FIAT annualized -23.93% vs +4.83% for VXUS. Past performance does not guarantee future results.
Which is riskier, FIAT or VXUS?
FIAT has been the more volatile fund at 56.2% annualized versus 15.0% for VXUS. Worst drawdown: FIAT -70.5% vs VXUS -39.9%.
Should I hold both FIAT and VXUS?
FIAT and VXUS have a monthly-return correlation of -0.09, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FIAT and VXUS?
FIAT and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 8097 unique securities.
Which pays a higher dividend, FIAT or VXUS?
FIAT yields 100.90% while VXUS yields 2.59%, so FIAT currently pays the higher dividend yield.
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