FLAO vs VXUS
FLAO vs VXUS
AllianzIM US Equity 6 Month Floor5 Apr/Oct 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 | FLAO | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.05% | |
| AUM | $9M | $156.5B | |
| Dividend Yield | 0.00% | 2.60% | |
| Holdings | 4 | 8,747 | |
| YTD Return | +0.35% | +14.57% | |
| 1Y Return | +3.22% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 6.8% | 15.1% | |
| Max Drawdown | -10.1% | -39.9% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Mar 28, 2024 | Jan 26, 2011 |
FLAO vs VXUS Performance
AllianzIM US Equity 6 Month Floor5 Apr/Oct ETF (FLAO) is a ETF from AllianzIM and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year FLAO returned +3.22% while VXUS returned +27.82%. Year to date, FLAO is up 0.35% 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 6.8% for FLAO. 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 -10.1% for FLAO 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLAO 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, FLAO currently yields 0.00% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, FLAO or VXUS?
FLAO 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, FLAO or VXUS?
Over the past year FLAO returned +3.22% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), FLAO annualized +5.80% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, FLAO or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 6.8% for FLAO. Worst drawdown: FLAO -10.1% vs VXUS -39.9%.
Should I hold both FLAO and VXUS?
FLAO and VXUS have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, FLAO or VXUS?
FLAO yields 0.00% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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