MMKT vs VXUS
Texas Capital Government Money Market 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 | MMKT | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.05% | |
| AUM | $73M | $156.5B | |
| Dividend Yield | 3.69% | 2.60% | |
| Holdings | 31 | 8,747 | |
| YTD Return | +1.95% | +14.07% | |
| 1Y Return | +3.55% | +27.24% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.14% | |
| Volatility (annualized) | 0.3% | 15.1% | |
| Max Drawdown | -0.0% | -39.9% | |
| Fund Family | Texas Capital | Vanguard (US) | |
| Category | Money Market | Equity | |
| Inception | Sep 13, 2024 | Jan 26, 2011 |
MMKT vs VXUS Performance
Texas Capital Government Money Market ETF (MMKT) is a ETF from Texas Capital and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year MMKT returned +3.55% while VXUS returned +27.24%. Year to date, MMKT is up 1.95% versus a gain of 14.07% for VXUS.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 0.3% for MMKT. 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 -0.0% for MMKT 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 -0.10. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MMKT charges 0.20% per year while VXUS charges 0.05%. On a $10,000 position that is $20 vs $5 annually, a gap of $15 per year that compounds over a long holding period. On income, MMKT currently yields 3.69% against 2.60% for VXUS.
Holdings Overlap
MMKT and VXUS share 0 holdings out of 7865 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, MMKT or VXUS?
MMKT has an expense ratio of 0.20% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $15 per year of difference.
Which performed better, MMKT or VXUS?
Over the past year MMKT returned +3.55% vs +27.24% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), MMKT annualized +3.92% vs +4.83% for VXUS. Past performance does not guarantee future results.
Which is riskier, MMKT or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 0.3% for MMKT. Worst drawdown: MMKT -0.0% vs VXUS -39.9%.
Should I hold both MMKT and VXUS?
MMKT and VXUS have a monthly-return correlation of -0.10, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MMKT and VXUS?
MMKT and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7865 unique securities.
Which pays a higher dividend, MMKT or VXUS?
MMKT yields 3.69% while VXUS yields 2.60%, so MMKT currently pays the higher dividend yield.
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