RAYD vs VXUS
Rayliant Quantitative Developed Market Equity 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 | RAYD | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.05% | |
| AUM | $57M | $156.5B | |
| Dividend Yield | 0.82% | 2.60% | |
| Holdings | 117 | 8,747 | |
| YTD Return | +21.80% | +14.07% | |
| 1Y Return | +19.90% | +27.24% | |
| 3Y Return (annualized) | +21.04% | +19.27% | |
| 5Y Return (annualized) | - | +9.14% | |
| Volatility (annualized) | 14.5% | 15.1% | |
| Max Drawdown | -21.0% | -39.9% | |
| Fund Family | The Advisors Inner Circle Fund | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 15, 2021 | Jan 26, 2011 |
RAYD vs VXUS Performance
Rayliant Quantitative Developed Market Equity ETF (RAYD) is a ETF from The Advisors Inner Circle Fund and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year RAYD returned +19.90% while VXUS returned +27.24%. Year to date, RAYD is up 21.80% versus a gain of 14.07% for VXUS.
Over three years, RAYD compounded at +21.04% per year against +19.27% for VXUS. Across the full 4-year window we track, RAYD has the edge at +12.14% annualized vs +4.83%. Past performance does not guarantee future results.
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 -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 0.78. 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 2.60% for VXUS.
Holdings Overlap
RAYD and VXUS share 28 holdings out of 7937 unique holdings combined, representing a 2.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $75 per year of difference.
Which performed better, RAYD or VXUS?
Over the past year RAYD returned +19.90% vs +27.24% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (4 years), RAYD annualized +12.14% vs +4.83% for VXUS. Past performance does not guarantee future results.
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 -39.9%.
Should I hold both RAYD and VXUS?
RAYD and VXUS have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RAYD and VXUS?
RAYD and VXUS share 28 common holdings with a 2.8% weight overlap. Combined, they hold 7937 unique securities.
Which pays a higher dividend, RAYD or VXUS?
RAYD yields 0.82% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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