RMIF vs VXUS
LHA Risk-Managed Income 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 | RMIF | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 1.55% | 0.05% | |
| AUM | $6M | $156.5B | |
| Dividend Yield | 5.68% | 2.60% | |
| Holdings | 7 | 8,747 | |
| YTD Return | -2.80% | +14.07% | |
| 1Y Return | -1.16% | +27.24% | |
| 3Y Return (annualized) | +3.47% | +19.27% | |
| 5Y Return (annualized) | - | +9.14% | |
| Volatility (annualized) | 2.4% | 15.1% | |
| Max Drawdown | -3.7% | -39.9% | |
| Fund Family | Little Harbor Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 9, 2023 | Jan 26, 2011 |
RMIF vs VXUS Performance
LHA Risk-Managed Income ETF (RMIF) is a ETF from Little Harbor Advisors and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year RMIF returned -1.16% while VXUS returned +27.24%. Year to date, RMIF is down 2.80% versus a gain of 14.07% for VXUS.
Over three years, RMIF compounded at +3.47% per year against +19.27% for VXUS. Across the full 3-year window we track, VXUS has the edge at +4.83% annualized vs +3.71%. 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 2.4% for RMIF. 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 -3.7% for RMIF 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 0.47. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RMIF charges 1.55% per year while VXUS charges 0.05%. On a $10,000 position that is $155 vs $5 annually, a gap of $150 per year that compounds over a long holding period. On income, RMIF currently yields 5.68% against 2.60% for VXUS.
Holdings Overlap
RMIF and VXUS share 0 holdings out of 7867 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, RMIF or VXUS?
RMIF has an expense ratio of 1.55% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $150 per year of difference.
Which performed better, RMIF or VXUS?
Over the past year RMIF returned -1.16% vs +27.24% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (3 years), RMIF annualized +3.71% vs +4.83% for VXUS. Past performance does not guarantee future results.
Which is riskier, RMIF or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 2.4% for RMIF. Worst drawdown: RMIF -3.7% vs VXUS -39.9%.
Should I hold both RMIF and VXUS?
RMIF and VXUS have a monthly-return correlation of 0.47, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RMIF and VXUS?
RMIF and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7867 unique securities.
Which pays a higher dividend, RMIF or VXUS?
RMIF yields 5.68% while VXUS yields 2.60%, so RMIF currently pays the higher dividend yield.
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