LFAI vs VXUS
LifeX 2050 Longevity Income ETF vs Vanguard Total International Stock ETF
Which is better, LFAI or VXUS?
Long Term Government Bond against Large Cap Blend.
VXUS has a lower expense ratio. VXUS led over 1Y 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 | LFAI | VXUS |
|---|---|---|
| Expense Ratio | 0.25% | 0.05%Best |
| AUM | $4M | $158.1B |
| Dividend Yield | 13.53% | 2.51% |
| Holdings | 23 | 8,747 |
| YTD Return | -7.63% | +12.82%Best |
| 1Y Return | -6.98% | +19.86%Best |
| 3Y Return (annualized) | - | +19.33% |
| 5Y Return (annualized) | - | +9.46% |
| Volatility (annualized) | 6.7%Best | 12.2% |
| Max Drawdown | -9.7%Best | -13.6% |
| $10,000 over 2 years | $9,147 | $14,467Best |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term Government Bond | Large Cap Blend |
| Inception | Jan 8, 2024 | Jan 26, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2 years row, are measured over the window both funds cover: Sep 16, 2024 to Sep 18, 2026 (2 years).
LFAI 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 2 years both funds cover.
LFAI vs VXUS Performance
LifeX 2050 Longevity Income ETF (LFAI) is an ETF from Stone Ridge Asset Management and Vanguard Total International Stock ETF (VXUS) is an ETF from Vanguard (US). Over the past year LFAI returned -6.98% while VXUS returned +19.86%. Year to date, LFAI is down 7.63% versus a gain of 12.82% for VXUS.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 12.2% compared with 6.7% for LFAI. 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 -9.7% for LFAI and -13.6% 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 0.54. They move together some of the time, and apart the rest.
Fees and Cost Over Time
LFAI 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, LFAI currently yields 13.53% against 2.51% for VXUS.
Holdings Overlap
We hold position weights for 18 holdings in LFAI and 8,082 in VXUS, totalling 94.2% and 88.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 18 positions we hold weights for in LFAI and 8,082 in VXUS, against full books of 23 and 8,747.
You are not choosing between two funds in isolation.
Whichever of LFAI 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, LFAI or VXUS?
LFAI has an expense ratio of 0.25% while VXUS charges 0.05%. VXUS is the cheaper option, by $20 a year on a $10,000 investment.
Which performed better, LFAI or VXUS?
Over the past year LFAI returned -6.98% vs +19.86% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), LFAI annualized -4.36% vs +20.28% for VXUS. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LFAI or VXUS?
VXUS has been the more volatile fund at 12.2% annualized versus 6.7% for LFAI. Worst drawdown: LFAI -9.7% vs VXUS -13.6%.
Should I hold both LFAI and VXUS?
LFAI and VXUS have a monthly-return correlation of 0.54, 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, LFAI or VXUS?
LFAI yields 13.53% while VXUS yields 2.51%, so LFAI currently pays the higher dividend yield.
Is VXUS better than LFAI?
VXUS has a lower expense ratio. VXUS led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.