TFI vs VXUS
TFI vs VXUS
State Street SPDR Nuveen ICE Municipal Bond 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 | TFI | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.23% | 0.05% | |
| AUM | $3.1B | $156.5B | |
| Dividend Yield | 3.46% | 2.60% | |
| Holdings | 1,809 | 8,747 | |
| YTD Return | +0.24% | +14.57% | |
| 1Y Return | +4.41% | +27.82% | |
| 3Y Return (annualized) | +2.54% | +19.27% | |
| 5Y Return (annualized) | -0.38% | +9.28% | |
| Volatility (annualized) | 5.8% | 15.1% | |
| Max Drawdown | -17.1% | -39.9% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Sep 11, 2007 | Jan 26, 2011 |
TFI vs VXUS Performance
State Street SPDR Nuveen ICE Municipal Bond ETF (TFI) is a ETF from State Street Investment Management and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TFI returned +4.41% while VXUS returned +27.82%. Year to date, TFI is up 0.24% versus a gain of 14.57% for VXUS.
Over three years, TFI compounded at +2.54% per year against +19.27% for VXUS; over five years the annualized figures are -0.38% and +9.28% respectively. Across the full 16-year window we track, VXUS has the edge at +4.86% annualized vs +0.81%. 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 5.8% for TFI. 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 -17.1% for TFI 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TFI charges 0.23% per year while VXUS charges 0.05%. On a $10,000 position that is $23 vs $5 annually, a gap of $18 per year that compounds over a long holding period. On income, TFI currently yields 3.46% against 2.60% for VXUS.
Holdings Overlap
TFI and VXUS share 0 holdings out of 7868 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, TFI or VXUS?
TFI has an expense ratio of 0.23% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $18 per year of difference.
Which performed better, TFI or VXUS?
Over the past year TFI returned +4.41% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (16 years), TFI annualized +0.81% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, TFI or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 5.8% for TFI. Worst drawdown: TFI -17.1% vs VXUS -39.9%.
Should I hold both TFI and VXUS?
TFI and VXUS have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TFI and VXUS?
TFI and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7868 unique securities.
Which pays a higher dividend, TFI or VXUS?
TFI yields 3.46% while VXUS yields 2.60%, so TFI currently pays the higher dividend yield.
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