TFJL vs VXUS
Innovator 20+ Year Treasury Bond 5 Floor ETF - Quarterly 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 | TFJL | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.05% | |
| AUM | $7M | $156.5B | |
| Dividend Yield | 0.00% | 2.60% | |
| Holdings | 4 | 8,747 | |
| YTD Return | -4.86% | +14.07% | |
| 1Y Return | -5.56% | +27.24% | |
| 3Y Return (annualized) | -1.32% | +19.27% | |
| 5Y Return (annualized) | -4.31% | +9.14% | |
| Volatility (annualized) | 8.4% | 15.1% | |
| Max Drawdown | -25.4% | -39.9% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Aug 17, 2020 | Jan 26, 2011 |
TFJL vs VXUS Performance
Innovator 20+ Year Treasury Bond 5 Floor ETF - Quarterly (TFJL) is a ETF from Innovator ETFs Trust and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TFJL returned -5.56% while VXUS returned +27.24%. Year to date, TFJL is down 4.86% versus a gain of 14.07% for VXUS.
Over three years, TFJL compounded at -1.32% per year against +19.27% for VXUS; over five years the annualized figures are -4.31% and +9.14% respectively. Across the full 6-year window we track, VXUS has the edge at +4.83% annualized vs -4.65%. 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 8.4% for TFJL. 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 -25.4% for TFJL 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TFJL charges 0.79% per year while VXUS charges 0.05%. On a $10,000 position that is $79 vs $5 annually, a gap of $74 per year that compounds over a long holding period. On income, TFJL currently yields 0.00% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, TFJL or VXUS?
TFJL has an expense ratio of 0.79% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $74 per year of difference.
Which performed better, TFJL or VXUS?
Over the past year TFJL returned -5.56% vs +27.24% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (6 years), TFJL annualized -4.65% vs +4.83% for VXUS. Past performance does not guarantee future results.
Which is riskier, TFJL or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 8.4% for TFJL. Worst drawdown: TFJL -25.4% vs VXUS -39.9%.
Should I hold both TFJL and VXUS?
TFJL and VXUS have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TFJL or VXUS?
TFJL yields 0.00% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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