RAYD vs VXUS
Rayliant Quantitative Developed Market Equity ETF vs Vanguard Total International Stock ETF
Which is better, RAYD or VXUS?
Each has led over a different period.
VXUS has a lower expense ratio. RAYD led over the full window, VXUS over 1Y.
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 | RAYD | VXUS |
|---|---|---|
| Expense Ratio | 0.80% | 0.05%Best |
| AUM | $57M | $158.1B |
| Dividend Yield | 0.82% | 2.59% |
| Holdings | 117 | 8,747 |
| Volatility (annualized) | 14.5%Best | 15.1% |
| Max Drawdown | -21.0%Best | -28.4% |
| $10,000 over 4 years | $15,814Best | $13,585 |
| Fund Family | The Advisors Inner Circle Fund | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Dec 15, 2021 | 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 259 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. RAYD has data through Dec 19, 2025 and VXUS through Sep 4, 2026.
Volatility and max drawdown, and the $10,000 over 4 years row, are measured over the window both funds cover: Dec 16, 2021 to Dec 19, 2025 (4 years).
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 14.5% for RAYD. 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 -21.0% for RAYD and -28.4% 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RAYD charges 0.80% per year while VXUS charges 0.05%. On a $10,000 position that is $80 vs $5 annually, a gap of $75 per year that compounds over a long holding period. On income, RAYD currently yields 0.82% against 2.59% for VXUS.
Holdings Overlap
At least 17.0% of RAYD'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.
RAYD and VXUS share little of their money.
The two holdings books were reported 273 days apart, RAYD as of Sep 30, 2025 and VXUS as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
29 positions in common, counted across the 104 positions we hold weights for in RAYD and 8,094 in VXUS, against full books of 117 and 8,747.
Top Shared Holdings
| Stock | Weight in RAYD | Weight in VXUS | Difference |
|---|---|---|---|
| 6532:JPBaycurrent Inc | 2.14% | 0.01% | 2.13% |
| TE:PATechnip Energies N.V. | 1.87% | 0.01% | 1.86% |
| ACLN:SMAccelleron Industries Ag | 1.85% | 0.02% | 1.83% |
| 6857:JPAdvantest Corp | 1.42% | 0.33% | 1.09% |
| BMO:CABank of Montreal | 0.92% | 0.28% | 0.64% |
| AEM:CAAgnico Eagle Mines Ltd | 0.91% | 0.18% | 0.73% |
| BARC:LNBarclays Plc | 0.80% | 0.20% | 0.60% |
| INGA:ASING Groep N.V. | 0.66% | 0.20% | 0.46% |
| SOGN:PASociete Generale Sa | 0.72% | 0.13% | 0.59% |
| STAN:LNStandard Chartered Plc | 0.61% | 0.11% | 0.50% |
You are not choosing between two funds in isolation.
Whichever of RAYD 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, RAYD or VXUS?
RAYD has an expense ratio of 0.80% while VXUS charges 0.05%. VXUS is the cheaper option, by $75 a year on a $10,000 investment.
Which is riskier, RAYD or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 14.5% for RAYD. Worst drawdown: RAYD -21.0% vs VXUS -28.4%.
Should I hold both RAYD and VXUS?
RAYD and VXUS have a monthly-return correlation of 0.78, 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 RAYD and VXUS?
At least 17.0% of RAYD's money is in holdings VXUS also owns. Our book for VXUS is partial, so the real figure is this or higher. They hold 29 positions in common, counted across the 104 positions we hold weights for in RAYD and 8,094 in VXUS.
Which pays a higher dividend, RAYD or VXUS?
RAYD yields 0.82% while VXUS yields 2.59%, so VXUS currently pays the higher dividend yield.
Is VXUS better than RAYD?
VXUS has a lower expense ratio. RAYD led over the full window, VXUS over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.