VCRM vs VXUS
Vanguard Core Tax-Exempt Bond ETF vs Vanguard Total International Stock ETF
Which is better, VCRM or VXUS?
Municipal Bond against Large Cap Blend.
VXUS has a lower expense ratio. VXUS led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | VCRM | VXUS |
|---|---|---|
| Expense Ratio | 0.12% | 0.05%Best |
| AUM | $1.8B | $158.1B |
| Dividend Yield | 3.69% | 2.51% |
| Holdings | 2,407 | 8,747 |
| YTD Return | -3.41% | +13.35%Best |
| 1Y Return | -1.21% | +22.44%Best |
| 3Y Return (annualized) | - | +19.44% |
| 5Y Return (annualized) | - | +8.82% |
| Volatility (annualized) | 4.3%Best | 11.7% |
| Max Drawdown | -5.2%Best | -13.6% |
| $10,000 over 1.8 years | $10,195 | $15,025Best |
| Fund Family | Vanguard (US) | Vanguard (US) |
| Category | Tax Preferred | Equity |
| Style | Municipal Bond | Large Cap Blend |
| Inception | Nov 19, 2024 | Jan 26, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.8 years row, are measured over the window both funds cover: Nov 21, 2024 to Sep 10, 2026 (1.8 years).
VCRM vs VXUS growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.8 years both funds cover.
VCRM vs VXUS Performance
Vanguard Core Tax-Exempt Bond ETF (VCRM) is an ETF from Vanguard (US) and Vanguard Total International Stock ETF (VXUS) is an ETF from Vanguard (US). Over the past year VCRM returned -1.21% while VXUS returned +22.44%. Year to date, VCRM is down 3.41% versus a gain of 13.35% for VXUS.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 11.7% compared with 4.3% for VCRM. 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 -5.2% for VCRM and -13.6% for VXUS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VCRM charges 0.12% per year while VXUS charges 0.05%. On a $10,000 position that is $12 vs $5 annually, a gap of $7 per year that compounds over a long holding period. On income, VCRM currently yields 3.69% against 2.51% for VXUS.
Holdings Overlap
We hold position weights for 190 holdings in VCRM and 8,091 in VXUS, totalling 7.4% and 87.7% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 190 positions we hold weights for in VCRM and 8,091 in VXUS, against full books of 2,407 and 8,747.
You are not choosing between two funds in isolation.
Whichever of VCRM and VXUS you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VCRM or VXUS?
VCRM has an expense ratio of 0.12% while VXUS charges 0.05%. VXUS is the cheaper option, by $7 a year on a $10,000 investment.
Which performed better, VCRM or VXUS?
Over the past year VCRM returned -1.21% vs +22.44% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), VCRM annualized +1.08% vs +25.38% for VXUS. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VCRM or VXUS?
VXUS has been the more volatile fund at 11.7% annualized versus 4.3% for VCRM. Worst drawdown: VCRM -5.2% vs VXUS -13.6%.
Should I hold both VCRM and VXUS?
VCRM and VXUS have a monthly-return correlation of 0.70, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, VCRM or VXUS?
VCRM yields 3.69% while VXUS yields 2.51%, so VCRM currently pays the higher dividend yield.
Is VXUS better than VCRM?
VXUS has a lower expense ratio. VXUS led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.