TPAY vs VXUS
TPAY vs VXUS
Roundhill S&P 500 Target 10 Managed Distribution 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 | TPAY | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.05% | |
| AUM | $2M | $156.5B | |
| Dividend Yield | 3.15% | 2.60% | |
| Holdings | 0 | 8,747 | |
| YTD Return | +8.28% | +14.57% | |
| 1Y Return | +8.28% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | +3.17% | +9.28% | |
| Volatility (annualized) | 56.5% | 15.1% | |
| Max Drawdown | -49.6% | -39.9% | |
| Fund Family | Roundhill Investments | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Feb 18, 2026 | Jan 26, 2011 |
TPAY vs VXUS Performance
Roundhill S&P 500 Target 10 Managed Distribution ETF (TPAY) is a ETF from Roundhill Investments and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TPAY returned +8.28% while VXUS returned +27.82%. Year to date, TPAY is up 8.28% versus a gain of 14.57% for VXUS.
Risk: Volatility and Drawdowns
TPAY has been the more volatile fund, with annualized monthly volatility of 56.5% compared with 15.1% for VXUS. 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 -49.6% for TPAY 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 0.51. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TPAY charges 0.49% per year while VXUS charges 0.05%. On a $10,000 position that is $49 vs $5 annually, a gap of $44 per year that compounds over a long holding period. On income, TPAY currently yields 3.15% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, TPAY or VXUS?
TPAY has an expense ratio of 0.49% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, TPAY or VXUS?
Over the past year TPAY returned +8.28% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (8 years), TPAY annualized +11.33% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, TPAY or VXUS?
TPAY has been the more volatile fund at 56.5% annualized versus 15.1% for VXUS. Worst drawdown: TPAY -49.6% vs VXUS -39.9%.
Should I hold both TPAY and VXUS?
TPAY and VXUS have a monthly-return correlation of 0.51, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TPAY or VXUS?
TPAY yields 3.15% while VXUS yields 2.60%, so TPAY currently pays the higher dividend yield.
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