UMAR vs VXUS
UMAR vs VXUS
Innovator US Equity Ultra Buffer ETF - March 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 | UMAR | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.05% | |
| AUM | $194M | $156.5B | |
| Dividend Yield | 0.00% | 2.60% | |
| Holdings | 6 | 8,747 | |
| YTD Return | +7.31% | +14.57% | |
| 1Y Return | +12.60% | +27.82% | |
| 3Y Return (annualized) | +12.45% | +19.27% | |
| 5Y Return (annualized) | +7.92% | +9.28% | |
| Volatility (annualized) | 6.0% | 15.1% | |
| Max Drawdown | -11.1% | -39.9% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Feb 28, 2020 | Jan 26, 2011 |
UMAR vs VXUS Performance
Innovator US Equity Ultra Buffer ETF - March (UMAR) is a ETF from Innovator ETFs Trust and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year UMAR returned +12.60% while VXUS returned +27.82%. Year to date, UMAR is up 7.31% versus a gain of 14.57% for VXUS.
Over three years, UMAR compounded at +12.45% per year against +19.27% for VXUS; over five years the annualized figures are +7.92% and +9.28% respectively. Across the full 6-year window we track, UMAR has the edge at +7.83% annualized vs +4.86%. 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 6.0% for UMAR. 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 -11.1% for UMAR 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
UMAR 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, UMAR currently yields 0.00% against 2.60% for VXUS.
Holdings Overlap
UMAR and VXUS share 0 holdings out of 7862 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, UMAR or VXUS?
UMAR 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, UMAR or VXUS?
Over the past year UMAR returned +12.60% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (6 years), UMAR annualized +7.83% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, UMAR or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 6.0% for UMAR. Worst drawdown: UMAR -11.1% vs VXUS -39.9%.
Should I hold both UMAR and VXUS?
UMAR and VXUS have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UMAR and VXUS?
UMAR and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7862 unique securities.
Which pays a higher dividend, UMAR or VXUS?
UMAR yields 0.00% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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