MBSX vs VXUS
Regan Fixed Rate MBS 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 | MBSX | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.05% | |
| AUM | $20M | $156.5B | |
| Dividend Yield | 3.59% | 2.60% | |
| Holdings | 84 | 8,747 | |
| YTD Return | +0.43% | +14.57% | |
| 1Y Return | +5.13% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 36.2% | 15.1% | |
| Max Drawdown | -27.6% | -39.9% | |
| Fund Family | Regan Capital | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 1, 2025 | Jan 26, 2011 |
MBSX vs VXUS Performance
Regan Fixed Rate MBS ETF (MBSX) is a ETF from Regan Capital and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year MBSX returned +5.13% while VXUS returned +27.82%. Year to date, MBSX is up 0.43% versus a gain of 14.57% for VXUS.
Risk: Volatility and Drawdowns
MBSX has been the more volatile fund, with annualized monthly volatility of 36.2% compared with 15.1% for VXUS. 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 -27.6% for MBSX 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 0.04. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MBSX charges 0.40% per year while VXUS charges 0.05%. On a $10,000 position that is $40 vs $5 annually, a gap of $35 per year that compounds over a long holding period. On income, MBSX currently yields 3.59% against 2.60% for VXUS.
Holdings Overlap
MBSX and VXUS share 0 holdings out of 7864 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, MBSX or VXUS?
MBSX has an expense ratio of 0.40% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $35 per year of difference.
Which performed better, MBSX or VXUS?
Over the past year MBSX returned +5.13% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (1 years), MBSX annualized +7.36% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, MBSX or VXUS?
MBSX has been the more volatile fund at 36.2% annualized versus 15.1% for VXUS. Worst drawdown: MBSX -27.6% vs VXUS -39.9%.
Should I hold both MBSX and VXUS?
MBSX and VXUS have a monthly-return correlation of 0.04, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MBSX and VXUS?
MBSX and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7864 unique securities.
Which pays a higher dividend, MBSX or VXUS?
MBSX yields 3.59% while VXUS yields 2.60%, so MBSX currently pays the higher dividend yield.
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