PCR vs VXUS
Simplify VettaFi Private Credit Strategy 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 8,747 holdings.
Side-by-Side Comparison
| Metric | PCR | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.76% | 0.05% | |
| AUM | $2M | $158.1B | |
| Dividend Yield | 10.24% | 2.59% | |
| Holdings | 270 | 8,747 | |
| YTD Return | -9.18% | +14.51% | |
| 1Y Return | -14.60% | +26.56% | |
| 3Y Return (annualized) | - | +19.95% | |
| 5Y Return (annualized) | - | +8.87% | |
| Volatility (annualized) | 16.2% | 15.0% | |
| Max Drawdown | -20.1% | -39.9% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 22, 2025 | Jan 26, 2011 |
PCR vs VXUS Performance
Simplify VettaFi Private Credit Strategy ETF (PCR) is a ETF from Simplify Exchange Traded Funds and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year PCR returned -14.60% while VXUS returned +26.56%. Year to date, PCR is down 9.18% versus a gain of 14.51% for VXUS.
Risk: Volatility and Drawdowns
PCR has been the more volatile fund, with annualized monthly volatility of 16.2% compared with 15.0% 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 -20.1% for PCR 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 0.09. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PCR charges 0.76% per year while VXUS charges 0.05%. On a $10,000 position that is $76 vs $5 annually, a gap of $71 per year that compounds over a long holding period. On income, PCR currently yields 10.24% against 2.59% for VXUS.
Holdings Overlap
PCR and VXUS share 5 holdings out of 8346 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, PCR or VXUS?
PCR has an expense ratio of 0.76% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, PCR or VXUS?
Over the past year PCR returned -14.60% vs +26.56% for VXUS, so VXUS leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, PCR or VXUS?
PCR has been the more volatile fund at 16.2% annualized versus 15.0% for VXUS. Worst drawdown: PCR -20.1% vs VXUS -39.9%.
Should I hold both PCR and VXUS?
PCR and VXUS have a monthly-return correlation of 0.09, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PCR and VXUS?
PCR and VXUS share 5 common holdings with a 0.0% weight overlap. Combined, they hold 8346 unique securities.
Which pays a higher dividend, PCR or VXUS?
PCR yields 10.24% while VXUS yields 2.59%, so PCR currently pays the higher dividend yield.
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