FINS vs VXUS
Angel Oak Financial Strategies Income Term Trust vs Vanguard Total International Stock ETF
Which is better, FINS or VXUS?
VXUS has been ahead.
VXUS led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | FINS | VXUS |
|---|---|---|
| Expense Ratio | - | 0.05% |
| AUM | $447M | $158.1B |
| Dividend Yield | 10.24% | 2.51% |
| Holdings | 242 | 8,747 |
| YTD Return | -0.65% | +14.94%Best |
| 1Y Return | +1.86% | +21.99%Best |
| 3Y Return (annualized) | +11.36% | +20.89%Best |
| 5Y Return (annualized) | +2.63% | +9.48%Best |
| Volatility (annualized) | 10.6%Best | 15.9% |
| Max Drawdown | -41.5% | -35.1%Best |
| $10,000 over 5 years | $11,386 | $15,728Best |
| Fund Family | Angel Oak Capital Advisors | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | May 29, 2019 | Jan 26, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: May 29, 2019 to Sep 22, 2026 (7.3 years).
FINS vs VXUS growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 7.3 years both funds cover.
FINS vs VXUS Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is an ETF from Angel Oak Capital Advisors and Vanguard Total International Stock ETF (VXUS) is an ETF from Vanguard (US). Over the past year FINS returned +1.86% while VXUS returned +21.99%. Year to date, FINS is down 0.65% versus a gain of 14.94% for VXUS.
Over three years, FINS compounded at +11.36% per year against +20.89% for VXUS; over five years the annualized figures are +2.63% and +9.48% respectively. Across the full 7-year window we track, VXUS has the edge at +10.28% annualized vs +0.37%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 10.6% for FINS. 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 -41.5% for FINS and -35.1% for VXUS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.57. They move together some of the time, and apart the rest.
Holdings Overlap
We hold position weights for 67 holdings in FINS and 8,082 in VXUS, totalling 33.4% and 88.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 181 days apart, FINS as of Jan 31, 2026 and VXUS as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 67 positions we hold weights for in FINS and 8,082 in VXUS, against full books of 242 and 8,747.
You are not choosing between two funds in isolation.
Whichever of FINS and VXUS you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which performed better, FINS or VXUS?
Over the past year FINS returned +1.86% vs +21.99% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (7 years), FINS annualized +0.37% vs +10.28% for VXUS. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FINS or VXUS?
VXUS has been the more volatile fund at 15.9% annualized versus 10.6% for FINS. Worst drawdown: FINS -41.5% vs VXUS -35.1%.
Should I hold both FINS and VXUS?
FINS and VXUS have a monthly-return correlation of 0.57, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, FINS or VXUS?
FINS yields 10.24% while VXUS yields 2.51%, so FINS currently pays the higher dividend yield.
Is VXUS better than FINS?
VXUS led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.