RFLR vs VXUS
Innovator US Small Cap Managed Floor ETF vs Vanguard Total International Stock ETF
Quick Verdict
VXUS has a lower expense ratio. RFLR delivered stronger 1-year returns. VXUS offers more diversification with 8,747 holdings.
Side-by-Side Comparison
| Metric | RFLR | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.89% | 0.05% | |
| AUM | $95M | $158.1B | |
| Dividend Yield | 0.60% | 2.59% | |
| Holdings | 841 | 8,747 | |
| YTD Return | +16.27% | +13.56% | |
| 1Y Return | +25.85% | +24.30% | |
| 3Y Return (annualized) | - | +20.24% | |
| 5Y Return (annualized) | - | +9.37% | |
| Volatility (annualized) | 11.3% | 15.1% | |
| Max Drawdown | -15.5% | -39.9% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 17, 2024 | Jan 26, 2011 |
RFLR vs VXUS Performance
Innovator US Small Cap Managed Floor ETF (RFLR) is a ETF from Innovator ETFs Trust and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year RFLR returned +25.85% while VXUS returned +24.30%. Year to date, RFLR is up 16.27% versus a gain of 13.56% for VXUS.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 11.3% for RFLR. 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 -15.5% for RFLR 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RFLR charges 0.89% per year while VXUS charges 0.05%. On a $10,000 position that is $89 vs $5 annually, a gap of $84 per year that compounds over a long holding period. On income, RFLR currently yields 0.60% against 2.59% for VXUS.
Holdings Overlap
RFLR and VXUS share 10 holdings out of 8653 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RFLR or VXUS?
RFLR has an expense ratio of 0.89% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $84 per year of difference.
Which performed better, RFLR or VXUS?
Over the past year RFLR returned +25.85% vs +24.30% for VXUS, so RFLR leads on 1-year performance. Over the longest common window we track (2 years), RFLR annualized +16.33% vs +4.79% for VXUS. Past performance does not guarantee future results.
Which is riskier, RFLR or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 11.3% for RFLR. Worst drawdown: RFLR -15.5% vs VXUS -39.9%.
Should I hold both RFLR and VXUS?
RFLR and VXUS have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RFLR and VXUS?
RFLR and VXUS share 10 common holdings with a 0.1% weight overlap. Combined, they hold 8653 unique securities.
Which pays a higher dividend, RFLR or VXUS?
RFLR yields 0.60% while VXUS yields 2.59%, so VXUS currently pays the higher dividend yield.
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