PCFI vs VXUS
PCFI vs VXUS
Polen Floating Rate 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 | PCFI | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.05% | |
| AUM | $8M | $156.5B | |
| Dividend Yield | 9.51% | 2.60% | |
| Holdings | 124 | 8,747 | |
| YTD Return | +1.09% | +14.57% | |
| 1Y Return | -0.65% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 4.5% | 15.1% | |
| Max Drawdown | -4.0% | -39.9% | |
| Fund Family | Polen Capital | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 24, 2025 | Jan 26, 2011 |
PCFI vs VXUS Performance
Polen Floating Rate Income ETF (PCFI) is a ETF from Polen Capital and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year PCFI returned -0.65% while VXUS returned +27.82%. Year to date, PCFI is up 1.09% 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 4.5% for PCFI. 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 -4.0% for PCFI 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 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PCFI charges 0.49% per year while VXUS charges 0.05%. On a $10,000 position that is $49 vs $5 annually, a gap of $44 per year that compounds over a long holding period. On income, PCFI currently yields 9.51% against 2.60% for VXUS.
Holdings Overlap
PCFI 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, PCFI or VXUS?
PCFI has an expense ratio of 0.49% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, PCFI or VXUS?
Over the past year PCFI returned -0.65% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (1 years), PCFI annualized +1.98% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, PCFI or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 4.5% for PCFI. Worst drawdown: PCFI -4.0% vs VXUS -39.9%.
Should I hold both PCFI and VXUS?
PCFI and VXUS have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PCFI and VXUS?
PCFI and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7882 unique securities.
Which pays a higher dividend, PCFI or VXUS?
PCFI yields 9.51% while VXUS yields 2.60%, so PCFI currently pays the higher dividend yield.
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