USVN vs VXUS
F/m US Treasury 7 Year Note 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 | USVN | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.05% | |
| AUM | $7M | $156.5B | |
| Dividend Yield | 4.09% | 2.60% | |
| Holdings | 2 | 8,747 | |
| YTD Return | -0.69% | +14.57% | |
| 1Y Return | +1.15% | +27.82% | |
| 3Y Return (annualized) | +3.57% | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 5.5% | 15.1% | |
| Max Drawdown | -8.3% | -39.9% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 28, 2023 | Jan 26, 2011 |
USVN vs VXUS Performance
F/m US Treasury 7 Year Note ETF (USVN) is a ETF from US Benchmark Series and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year USVN returned +1.15% while VXUS returned +27.82%. Year to date, USVN is down 0.69% versus a gain of 14.57% for VXUS.
Over three years, USVN compounded at +3.57% per year against +19.27% for VXUS. Across the full 3-year window we track, VXUS has the edge at +4.86% annualized vs +2.59%. 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 5.5% for USVN. 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 -8.3% for USVN 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
USVN charges 0.15% per year while VXUS charges 0.05%. On a $10,000 position that is $15 vs $5 annually, a gap of $10 per year that compounds over a long holding period. On income, USVN currently yields 4.09% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, USVN or VXUS?
USVN has an expense ratio of 0.15% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $10 per year of difference.
Which performed better, USVN or VXUS?
Over the past year USVN returned +1.15% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (3 years), USVN annualized +2.59% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, USVN or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 5.5% for USVN. Worst drawdown: USVN -8.3% vs VXUS -39.9%.
Should I hold both USVN and VXUS?
USVN and VXUS have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, USVN or VXUS?
USVN yields 4.09% while VXUS yields 2.60%, so USVN currently pays the higher dividend yield.
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