RILA vs VXUS
Indexperts Gorilla Aggressive Growth 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 | RILA | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.05% | |
| AUM | $42M | $156.5B | |
| Dividend Yield | 0.11% | 2.60% | |
| Holdings | 172 | 8,747 | |
| YTD Return | +8.76% | +14.19% | |
| 1Y Return | +11.56% | +27.38% | |
| 3Y Return (annualized) | - | +19.53% | |
| 5Y Return (annualized) | - | +9.03% | |
| Volatility (annualized) | 15.9% | 15.1% | |
| Max Drawdown | -20.0% | -39.9% | |
| Fund Family | Indexperts | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Dec 31, 2024 | Jan 26, 2011 |
RILA vs VXUS Performance
Indexperts Gorilla Aggressive Growth ETF (RILA) is a ETF from Indexperts and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year RILA returned +11.56% while VXUS returned +27.38%. Year to date, RILA is up 8.76% versus a gain of 14.19% for VXUS.
Risk: Volatility and Drawdowns
RILA has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 15.1% 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 -20.0% for RILA 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RILA charges 0.50% per year while VXUS charges 0.05%. On a $10,000 position that is $50 vs $5 annually, a gap of $45 per year that compounds over a long holding period. On income, RILA currently yields 0.11% against 2.60% for VXUS.
Holdings Overlap
RILA and VXUS share 2 holdings out of 8031 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, RILA or VXUS?
RILA has an expense ratio of 0.50% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $45 per year of difference.
Which performed better, RILA or VXUS?
Over the past year RILA returned +11.56% vs +27.38% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), RILA annualized +14.81% vs +4.83% for VXUS. Past performance does not guarantee future results.
Which is riskier, RILA or VXUS?
RILA has been the more volatile fund at 15.9% annualized versus 15.1% for VXUS. Worst drawdown: RILA -20.0% vs VXUS -39.9%.
Should I hold both RILA and VXUS?
RILA and VXUS have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RILA and VXUS?
RILA and VXUS share 2 common holdings with a 0.0% weight overlap. Combined, they hold 8031 unique securities.
Which pays a higher dividend, RILA or VXUS?
RILA yields 0.11% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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