PRAY vs VXUS
FIS Christian Stock Fund vs Vanguard Total International Stock ETF
Which is better, PRAY or VXUS?
VXUS has been ahead.
VXUS has a lower expense ratio. VXUS led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | PRAY | VXUS |
|---|---|---|
| Expense Ratio | 0.69% | 0.05%Best |
| AUM | $79M | $158.1B |
| Dividend Yield | 0.61% | 2.59% |
| Holdings | 69 | 8,747 |
| Volatility (annualized) | 14.3%Best | 15.2% |
| Max Drawdown | -21.4%Best | -26.9% |
| $10,000 over 3.9 years | $12,807 | $13,800Best |
| Fund Family | Faith Investor Services | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 7, 2022 | Jan 26, 2011 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 247 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. PRAY has data through Dec 31, 2025 and VXUS through Sep 4, 2026.
Volatility and max drawdown, and the $10,000 over 3.9 years row, are measured over the window both funds cover: Feb 8, 2022 to Dec 31, 2025 (3.9 years).
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.2% compared with 14.3% for PRAY. 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 -21.4% for PRAY and -26.9% for VXUS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PRAY charges 0.69% per year while VXUS charges 0.05%. On a $10,000 position that is $69 vs $5 annually, a gap of $64 per year that compounds over a long holding period. On income, PRAY currently yields 0.61% against 2.59% for VXUS.
Holdings Overlap
At least 10.0% of PRAY's money is in holdings VXUS also owns.
Stated as a floor: for VXUS, our book for it covers 87.7% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
PRAY and VXUS share little of their money.
8 positions in common, counted across the 68 positions we hold weights for in PRAY and 8,094 in VXUS, against full books of 69 and 8,747.
Top Shared Holdings
| Stock | Weight in PRAY | Weight in VXUS | Difference |
|---|---|---|---|
| PRX:ASProsus N.V. Shs | 2.49% | 0.12% | 2.37% |
| TS:LUTenaris Sa Sponsored Adr (1 Ads : 2 Ordinary) | 1.53% | 0.00% | 1.53% |
| TIMB:BVTim Sa American Depositary Shares (Each Representing 5 Common Shares) | 1.47% | 0.00% | 1.47% |
| DNKEYDanske Bank A/S | 1.35% | 0.07% | 1.28% |
| 1299:HKAia Group (Insurance Provider) | 1.06% | 0.21% | 0.85% |
| CP:CACanadian Pac Kans City Ltd Npv | 0.89% | 0.17% | 0.72% |
| TEL2.B:STTele2 Ab | 0.81% | 0.02% | 0.79% |
| CLNX:MACellnex Telecom SA Unsponsored ADR (1 ADS : 0.5 Ordinary) | 0.43% | 0.04% | 0.39% |
You are not choosing between two funds in isolation.
Whichever of PRAY and VXUS you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PRAY or VXUS?
PRAY has an expense ratio of 0.69% while VXUS charges 0.05%. VXUS is the cheaper option, by $64 a year on a $10,000 investment.
Which is riskier, PRAY or VXUS?
VXUS has been the more volatile fund at 15.2% annualized versus 14.3% for PRAY. Worst drawdown: PRAY -21.4% vs VXUS -26.9%.
Should I hold both PRAY and VXUS?
PRAY and VXUS have a monthly-return correlation of 0.84, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between PRAY and VXUS?
At least 10.0% of PRAY's money is in holdings VXUS also owns. Our book for VXUS is partial, so the real figure is this or higher. They hold 8 positions in common, counted across the 68 positions we hold weights for in PRAY and 8,094 in VXUS.
Which pays a higher dividend, PRAY or VXUS?
PRAY yields 0.61% while VXUS yields 2.59%, so VXUS currently pays the higher dividend yield.
Is VXUS better than PRAY?
VXUS has a lower expense ratio. VXUS led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.