SGVT vs VXUS
Schwab 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 | SGVT | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.28% | 0.05% | |
| AUM | $902M | $158.1B | |
| Dividend Yield | 3.25% | 2.59% | |
| Holdings | 210 | 8,747 | |
| YTD Return | +2.24% | +14.51% | |
| 1Y Return | +3.57% | +26.56% | |
| 3Y Return (annualized) | - | +19.95% | |
| 5Y Return (annualized) | - | +8.87% | |
| Volatility (annualized) | 0.6% | 15.0% | |
| Max Drawdown | -0.3% | -39.9% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Money Market | Equity | |
| Inception | Jun 12, 2025 | Jan 26, 2011 |
SGVT vs VXUS Performance
Schwab Government Money Market ETF (SGVT) is a ETF from Charles Schwab Asset Management and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year SGVT returned +3.57% while VXUS returned +26.56%. Year to date, SGVT is up 2.24% versus a gain of 14.51% for VXUS.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.0% compared with 0.6% for SGVT. 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 SGVT 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 0.19. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SGVT charges 0.28% per year while VXUS charges 0.05%. On a $10,000 position that is $28 vs $5 annually, a gap of $23 per year that compounds over a long holding period. On income, SGVT currently yields 3.25% against 2.59% for VXUS.
Holdings Overlap
SGVT and VXUS share 0 holdings out of 8134 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, SGVT or VXUS?
SGVT has an expense ratio of 0.28% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $23 per year of difference.
Which performed better, SGVT or VXUS?
Over the past year SGVT returned +3.57% vs +26.56% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (1 years), SGVT annualized +3.70% vs +4.83% for VXUS. Past performance does not guarantee future results.
Which is riskier, SGVT or VXUS?
VXUS has been the more volatile fund at 15.0% annualized versus 0.6% for SGVT. Worst drawdown: SGVT -0.3% vs VXUS -39.9%.
Should I hold both SGVT and VXUS?
SGVT and VXUS have a monthly-return correlation of 0.19, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SGVT and VXUS?
SGVT and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 8134 unique securities.
Which pays a higher dividend, SGVT or VXUS?
SGVT yields 3.25% while VXUS yields 2.59%, so SGVT currently pays the higher dividend yield.
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