LFAI vs VXUS
LFAI vs VXUS
LifeX 2050 Longevity Income 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 | LFAI | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.05% | |
| AUM | $4M | $156.5B | |
| Dividend Yield | 13.53% | 2.60% | |
| Holdings | 23 | 8,747 | |
| YTD Return | -5.58% | +14.57% | |
| 1Y Return | -3.44% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 6.7% | 15.1% | |
| Max Drawdown | -8.6% | -39.9% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 8, 2024 | Jan 26, 2011 |
LFAI vs VXUS Performance
LifeX 2050 Longevity Income ETF (LFAI) 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 LFAI returned -3.44% while VXUS returned +27.82%. Year to date, LFAI is down 5.58% 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 6.7% 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 -8.6% for LFAI 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
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 2.60% for VXUS.
Holdings Overlap
LFAI and VXUS share 0 holdings out of 7879 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, LFAI or VXUS?
LFAI 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, LFAI or VXUS?
Over the past year LFAI returned -3.44% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), LFAI annualized -3.50% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, LFAI or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 6.7% for LFAI. Worst drawdown: LFAI -8.6% vs VXUS -39.9%.
Should I hold both LFAI and VXUS?
LFAI and VXUS have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LFAI and VXUS?
LFAI and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7879 unique securities.
Which pays a higher dividend, LFAI or VXUS?
LFAI yields 13.53% while VXUS yields 2.60%, so LFAI currently pays the higher dividend yield.
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