LIAM vs VXUS
LIAM vs VXUS
LifeX 2055 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 | LIAM | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.05% | |
| AUM | $7M | $156.5B | |
| Dividend Yield | 7.37% | 2.60% | |
| Holdings | 20 | 8,747 | |
| YTD Return | -4.01% | +14.57% | |
| 1Y Return | -2.08% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 6.7% | 15.1% | |
| Max Drawdown | -8.4% | -39.9% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 17, 2024 | Jan 26, 2011 |
LIAM vs VXUS Performance
LifeX 2055 Inflation-Protected Longevity Income ETF (LIAM) 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 LIAM returned -2.08% while VXUS returned +27.82%. Year to date, LIAM is down 4.01% 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 LIAM. 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 -8.4% for LIAM 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
LIAM 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, LIAM currently yields 7.37% against 2.60% for VXUS.
Holdings Overlap
LIAM and VXUS share 0 holdings out of 7882 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, LIAM or VXUS?
LIAM 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, LIAM or VXUS?
Over the past year LIAM returned -2.08% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), LIAM annualized -2.74% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, LIAM or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 6.7% for LIAM. Worst drawdown: LIAM -8.4% vs VXUS -39.9%.
Should I hold both LIAM and VXUS?
LIAM 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 LIAM and VXUS?
LIAM and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7882 unique securities.
Which pays a higher dividend, LIAM or VXUS?
LIAM yields 7.37% while VXUS yields 2.60%, so LIAM currently pays the higher dividend yield.
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