INKM vs VXUS
State Street Income Allocation 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 | INKM | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.05% | |
| AUM | $75M | $158.1B | |
| Dividend Yield | 4.78% | 2.59% | |
| Holdings | 15 | 8,747 | |
| YTD Return | +6.88% | +15.44% | |
| 1Y Return | +10.69% | +26.36% | |
| 3Y Return (annualized) | +10.72% | +20.98% | |
| 5Y Return (annualized) | +4.31% | +9.68% | |
| Volatility (annualized) | 9.4% | 15.1% | |
| Max Drawdown | -28.6% | -39.9% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Apr 25, 2012 | Jan 26, 2011 |
INKM vs VXUS Performance
State Street Income Allocation ETF (INKM) is a ETF from State Street Investment Management and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year INKM returned +10.69% while VXUS returned +26.36%. Year to date, INKM is up 6.88% versus a gain of 15.44% for VXUS.
Over three years, INKM compounded at +10.72% per year against +20.98% for VXUS; over five years the annualized figures are +4.31% and +9.68% respectively. Across the full 14-year window we track, VXUS has the edge at +4.90% annualized vs +2.82%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 9.4% for INKM. 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 -28.6% for INKM 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 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
INKM charges 0.50% per year while VXUS charges 0.05%. On a $10,000 position that is $50 vs $5 annually, a gap of $45 per year that compounds over a long holding period. On income, INKM currently yields 4.78% against 2.59% for VXUS.
Holdings Overlap
INKM and VXUS share 0 holdings out of 7884 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, INKM or VXUS?
INKM has an expense ratio of 0.50% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $45 per year of difference.
Which performed better, INKM or VXUS?
Over the past year INKM returned +10.69% vs +26.36% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (14 years), INKM annualized +2.82% vs +4.90% for VXUS. Past performance does not guarantee future results.
Which is riskier, INKM or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 9.4% for INKM. Worst drawdown: INKM -28.6% vs VXUS -39.9%.
Should I hold both INKM and VXUS?
INKM and VXUS have a monthly-return correlation of 0.88, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INKM and VXUS?
INKM and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7884 unique securities.
Which pays a higher dividend, INKM or VXUS?
INKM yields 4.78% while VXUS yields 2.59%, so INKM currently pays the higher dividend yield.
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