LDDR vs VXUS
LifeX 2035 Income Bucket 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 | LDDR | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.05% | |
| AUM | $41M | $156.5B | |
| Dividend Yield | 12.63% | 2.60% | |
| Holdings | 42 | 8,747 | |
| YTD Return | -8.03% | +14.57% | |
| 1Y Return | -6.30% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 4.3% | 15.1% | |
| Max Drawdown | -8.5% | -39.9% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 6, 2025 | Jan 26, 2011 |
LDDR vs VXUS Performance
LifeX 2035 Income Bucket ETF (LDDR) is a ETF from Stone Ridge Asset Management and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year LDDR returned -6.30% while VXUS returned +27.82%. Year to date, LDDR is down 8.03% 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 4.3% for LDDR. 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 -8.5% for LDDR 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDDR charges 0.25% per year while VXUS charges 0.05%. On a $10,000 position that is $25 vs $5 annually, a gap of $20 per year that compounds over a long holding period. On income, LDDR currently yields 12.63% against 2.60% for VXUS.
Holdings Overlap
LDDR and VXUS share 0 holdings out of 7889 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, LDDR or VXUS?
LDDR has an expense ratio of 0.25% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $20 per year of difference.
Which performed better, LDDR or VXUS?
Over the past year LDDR returned -6.30% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), LDDR annualized -1.19% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, LDDR or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 4.3% for LDDR. Worst drawdown: LDDR -8.5% vs VXUS -39.9%.
Should I hold both LDDR and VXUS?
LDDR and VXUS have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDDR and VXUS?
LDDR and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7889 unique securities.
Which pays a higher dividend, LDDR or VXUS?
LDDR yields 12.63% while VXUS yields 2.60%, so LDDR currently pays the higher dividend yield.
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