PCLO vs VXUS
Virtus Seix AAA Private Credit CLO 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 | PCLO | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.05% | |
| AUM | $20M | $156.5B | |
| Dividend Yield | 5.28% | 2.60% | |
| Holdings | 47 | 8,747 | |
| YTD Return | +2.70% | +14.07% | |
| 1Y Return | +5.08% | +27.24% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.14% | |
| Volatility (annualized) | 0.7% | 15.1% | |
| Max Drawdown | -0.8% | -39.9% | |
| Fund Family | Virtus Investment Partners | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 27, 2024 | Jan 26, 2011 |
PCLO vs VXUS Performance
Virtus Seix AAA Private Credit CLO ETF (PCLO) is a ETF from Virtus Investment Partners and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year PCLO returned +5.08% while VXUS returned +27.24%. Year to date, PCLO is up 2.70% 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 0.7% for PCLO. 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 -0.8% for PCLO 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PCLO charges 0.29% per year while VXUS charges 0.05%. On a $10,000 position that is $29 vs $5 annually, a gap of $24 per year that compounds over a long holding period. On income, PCLO currently yields 5.28% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, PCLO or VXUS?
PCLO has an expense ratio of 0.29% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, PCLO or VXUS?
Over the past year PCLO returned +5.08% vs +27.24% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), PCLO annualized +5.17% vs +4.83% for VXUS. Past performance does not guarantee future results.
Which is riskier, PCLO or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 0.7% for PCLO. Worst drawdown: PCLO -0.8% vs VXUS -39.9%.
Should I hold both PCLO and VXUS?
PCLO and VXUS have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, PCLO or VXUS?
PCLO yields 5.28% while VXUS yields 2.60%, so PCLO currently pays the higher dividend yield.
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