LIAE vs VXUS
LifeX 2050 Inflation-Protected 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 | LIAE | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.05% | |
| AUM | $3M | $156.5B | |
| Dividend Yield | 9.74% | 2.60% | |
| Holdings | 20 | 8,747 | |
| YTD Return | -3.95% | +14.57% | |
| 1Y Return | -2.08% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 5.9% | 15.1% | |
| Max Drawdown | -7.0% | -39.9% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 17, 2024 | Jan 26, 2011 |
LIAE vs VXUS Performance
LifeX 2050 Inflation-Protected Longevity Income ETF (LIAE) 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 LIAE returned -2.08% while VXUS returned +27.82%. Year to date, LIAE is down 3.95% 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 5.9% for LIAE. 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 -7.0% for LIAE 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LIAE 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, LIAE currently yields 9.74% against 2.60% for VXUS.
Holdings Overlap
LIAE and VXUS share 0 holdings out of 7878 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, LIAE or VXUS?
LIAE 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, LIAE or VXUS?
Over the past year LIAE returned -2.08% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), LIAE annualized -1.92% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, LIAE or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 5.9% for LIAE. Worst drawdown: LIAE -7.0% vs VXUS -39.9%.
Should I hold both LIAE and VXUS?
LIAE and VXUS have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LIAE and VXUS?
LIAE and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7878 unique securities.
Which pays a higher dividend, LIAE or VXUS?
LIAE yields 9.74% while VXUS yields 2.60%, so LIAE currently pays the higher dividend yield.
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