IPAY vs VXUS
Amplify Digital Payments ETF vs Vanguard Total International Stock ETF
Which is better, IPAY or VXUS?
Mid Cap Growth against Large Cap Blend.
VXUS has a lower expense ratio. IPAY led over the full window, VXUS over 1Y, 3Y and 5Y.
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 | IPAY | VXUS |
|---|---|---|
| Expense Ratio | 0.75% | 0.05%Best |
| AUM | $187M | $158.1B |
| Dividend Yield | 0.82% | 2.59% |
| Holdings | 86 | 8,747 |
| YTD Return | -0.32% | +16.15%Best |
| 1Y Return | -13.03% | +27.58%Best |
| 3Y Return (annualized) | +7.37% | +20.48%Best |
| 5Y Return (annualized) | -6.21% | +9.09%Best |
| Volatility (annualized) | 23.2% | 15.0%Best |
| Max Drawdown | -51.8% | -39.9%Best |
| $10,000 over 5 years | $7,257 | $15,450Best |
| Fund Family | Amplify ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Blend |
| Inception | Jul 15, 2015 | Jan 26, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jul 16, 2015 to Sep 4, 2026 (11.1 years).
IPAY 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 11.1 years both funds cover.
IPAY vs VXUS Performance
Amplify Digital Payments ETF (IPAY) is an ETF from Amplify ETFs and Vanguard Total International Stock ETF (VXUS) is an ETF from Vanguard (US). Over the past year IPAY returned -13.03% while VXUS returned +27.58%. Year to date, IPAY is down 0.32% versus a gain of 16.15% for VXUS.
Over three years, IPAY compounded at +7.37% per year against +20.48% for VXUS; over five years the annualized figures are -6.21% and +9.09% respectively. Across the full 11-year window we track, IPAY has the edge at +6.78% annualized vs +6.67%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IPAY has been the more volatile fund, with annualized monthly volatility of 23.2% 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 -51.8% for IPAY and -39.9% 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IPAY charges 0.75% per year while VXUS charges 0.05%. On a $10,000 position that is $75 vs $5 annually, a gap of $70 per year that compounds over a long holding period. On income, IPAY currently yields 0.82% against 2.59% for VXUS.
Holdings Overlap
At least 7.3% of IPAY's money is in holdings VXUS also owns.
Stated as a floor: for VXUS, our book for it covers 87.7% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
IPAY and VXUS share little of their money.
4 positions in common, counted across the 41 positions we hold weights for in IPAY and 8,094 in VXUS, against full books of 86 and 8,747.
You are not choosing between two funds in isolation.
Whichever of IPAY 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 is cheaper, IPAY or VXUS?
IPAY has an expense ratio of 0.75% while VXUS charges 0.05%. VXUS is the cheaper option, by $70 a year on a $10,000 investment.
Which performed better, IPAY or VXUS?
Over the past year IPAY returned -13.03% vs +27.58% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (11 years), IPAY annualized +6.78% vs +6.67% for VXUS. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IPAY or VXUS?
IPAY has been the more volatile fund at 23.2% annualized versus 15.0% for VXUS. Worst drawdown: IPAY -51.8% vs VXUS -39.9%.
Should I hold both IPAY and VXUS?
IPAY and VXUS have a monthly-return correlation of 0.73, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between IPAY and VXUS?
At least 7.3% of IPAY's money is in holdings VXUS also owns. Our book for VXUS is partial, so the real figure is this or higher. They hold 4 positions in common, counted across the 41 positions we hold weights for in IPAY and 8,094 in VXUS.
Which pays a higher dividend, IPAY or VXUS?
IPAY yields 0.82% while VXUS yields 2.59%, so VXUS currently pays the higher dividend yield.
Is VXUS better than IPAY?
VXUS has a lower expense ratio. IPAY led over the full window, VXUS over 1Y, 3Y and 5Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.