SBIL vs VXUS
Simplify Government Money Market 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 8,747 holdings.
Side-by-Side Comparison
| Metric | SBIL | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.05% | |
| AUM | $4.9B | $158.1B | |
| Dividend Yield | 3.87% | 2.59% | |
| Holdings | 162 | 8,747 | |
| YTD Return | +2.02% | +15.52% | |
| 1Y Return | +3.45% | +26.73% | |
| 3Y Return (annualized) | - | +20.35% | |
| 5Y Return (annualized) | - | +9.40% | |
| Volatility (annualized) | 0.3% | 15.1% | |
| Max Drawdown | -0.3% | -39.9% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Money Market | Equity | |
| Inception | Jul 14, 2025 | Jan 26, 2011 |
SBIL vs VXUS Performance
Simplify Government Money Market ETF (SBIL) is a ETF from Simplify Exchange Traded Funds and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year SBIL returned +3.45% while VXUS returned +26.73%. Year to date, SBIL is up 2.02% versus a gain of 15.52% for VXUS.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 0.3% for SBIL. 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 -0.3% for SBIL 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 -0.04. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SBIL charges 0.15% per year while VXUS charges 0.05%. On a $10,000 position that is $15 vs $5 annually, a gap of $10 per year that compounds over a long holding period. On income, SBIL currently yields 3.87% against 2.59% for VXUS.
Holdings Overlap
SBIL and VXUS share 0 holdings out of 7882 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, SBIL or VXUS?
SBIL has an expense ratio of 0.15% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $10 per year of difference.
Which performed better, SBIL or VXUS?
Over the past year SBIL returned +3.45% vs +26.73% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (1 years), SBIL annualized +3.56% vs +4.90% for VXUS. Past performance does not guarantee future results.
Which is riskier, SBIL or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 0.3% for SBIL. Worst drawdown: SBIL -0.3% vs VXUS -39.9%.
Should I hold both SBIL and VXUS?
SBIL and VXUS have a monthly-return correlation of -0.04, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SBIL and VXUS?
SBIL and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7882 unique securities.
Which pays a higher dividend, SBIL or VXUS?
SBIL yields 3.87% while VXUS yields 2.59%, so SBIL currently pays the higher dividend yield.
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