UTWY vs VXUS
F/m US Treasury 20 Year 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 | UTWY | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.05% | |
| AUM | $8M | $156.5B | |
| Dividend Yield | 5.07% | 2.60% | |
| Holdings | 2 | 8,747 | |
| YTD Return | -2.15% | +14.57% | |
| 1Y Return | -0.55% | +27.82% | |
| 3Y Return (annualized) | +0.51% | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 10.7% | 15.1% | |
| Max Drawdown | -18.2% | -39.9% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 28, 2023 | Jan 26, 2011 |
UTWY vs VXUS Performance
F/m US Treasury 20 Year Bond ETF (UTWY) is a ETF from US Benchmark Series and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year UTWY returned -0.55% while VXUS returned +27.82%. Year to date, UTWY is down 2.15% versus a gain of 14.57% for VXUS.
Over three years, UTWY compounded at +0.51% per year against +19.27% for VXUS. Across the full 3-year window we track, VXUS has the edge at +4.86% annualized vs -1.00%. 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 10.7% for UTWY. 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 -18.2% for UTWY 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UTWY 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, UTWY currently yields 5.07% against 2.60% for VXUS.
Frequently Asked Questions
Which is cheaper, UTWY or VXUS?
UTWY 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, UTWY or VXUS?
Over the past year UTWY returned -0.55% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (3 years), UTWY annualized -1.00% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, UTWY or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 10.7% for UTWY. Worst drawdown: UTWY -18.2% vs VXUS -39.9%.
Should I hold both UTWY and VXUS?
UTWY and VXUS have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, UTWY or VXUS?
UTWY yields 5.07% while VXUS yields 2.60%, so UTWY currently pays the higher dividend yield.
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