SBIL vs VXUS
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 7861 holdings.
Side-by-Side Comparison
| Metric | SBIL | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.05% | |
| AUM | $5.0B | $156.5B | |
| Dividend Yield | 3.56% | 2.60% | |
| Holdings | 115 | 8,747 | |
| YTD Return | +2.10% | +14.57% | |
| 1Y Return | +3.78% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 0.3% | 15.1% | |
| Max Drawdown | -0.0% | -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 +3.78% while VXUS returned +27.82%. Year to date, SBIL is up 2.10% versus a gain of 14.57% 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 -0.0% 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 0.05. 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 3.56% against 2.60% for VXUS.
Holdings Overlap
SBIL and VXUS share 0 holdings out of 7876 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 +3.78% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (1 years), SBIL annualized +3.82% vs +4.86% 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 -0.0% vs VXUS -39.9%.
Should I hold both SBIL and VXUS?
SBIL and VXUS have a monthly-return correlation of 0.05, 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 7876 unique securities.
Which pays a higher dividend, SBIL or VXUS?
SBIL yields 3.56% while VXUS yields 2.60%, so SBIL currently pays the higher dividend yield.
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