VBIL vs VXUS
VBIL vs VXUS
Vanguard 0-3 Month Treasury Bill 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 | VBIL | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.05% | |
| AUM | $9.4B | $156.5B | |
| Dividend Yield | 3.65% | 2.60% | |
| Holdings | 28 | 8,747 | |
| YTD Return | +1.84% | +14.57% | |
| 1Y Return | +3.52% | +27.82% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.28% | |
| Volatility (annualized) | 0.7% | 15.1% | |
| Max Drawdown | -0.3% | -39.9% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 7, 2025 | Jan 26, 2011 |
VBIL vs VXUS Performance
Vanguard 0-3 Month Treasury Bill ETF (VBIL) is a ETF from Vanguard (US) and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year VBIL returned +3.52% while VXUS returned +27.82%. Year to date, VBIL is up 1.84% versus a gain of 14.57% for VXUS.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 0.7% for VBIL. 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 -0.3% for VBIL 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 -0.02. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VBIL charges 0.06% per year while VXUS charges 0.05%. On a $10,000 position that is $6 vs $5 annually, a gap of $1 per year that compounds over a long holding period. On income, VBIL currently yields 3.65% against 2.60% for VXUS.
Holdings Overlap
VBIL and VXUS share 0 holdings out of 7863 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, VBIL or VXUS?
VBIL has an expense ratio of 0.06% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, VBIL or VXUS?
Over the past year VBIL returned +3.52% vs +27.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), VBIL annualized +4.61% vs +4.86% for VXUS. Past performance does not guarantee future results.
Which is riskier, VBIL or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 0.7% for VBIL. Worst drawdown: VBIL -0.3% vs VXUS -39.9%.
Should I hold both VBIL and VXUS?
VBIL and VXUS have a monthly-return correlation of -0.02, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VBIL and VXUS?
VBIL and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7863 unique securities.
Which pays a higher dividend, VBIL or VXUS?
VBIL yields 3.65% while VXUS yields 2.60%, so VBIL currently pays the higher dividend yield.
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