VMFXX vs VXUS
Vanguard Federal Money Market Fund Investor Class vs Vanguard Total International Stock ETF
Quick Verdict
VXUS has a lower expense ratio. VXUS offers more diversification with 8,747 holdings.
Side-by-Side Comparison
| Metric | VMFXX | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.11% | 0.05% | |
| AUM | $374.1B | $158.1B | |
| Dividend Yield | 3.46% | 2.59% | |
| Holdings | 320 | 8,747 | |
| YTD Return | +0.00% | +15.23% | |
| 1Y Return | - | +26.78% | |
| 3Y Return (annualized) | - | +20.86% | |
| 5Y Return (annualized) | - | +9.66% | |
| Volatility (annualized) | - | 15.1% | |
| Max Drawdown | 0.0% | -39.9% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Money Market | Equity | |
| Inception | Jul 13, 1981 | Jan 26, 2011 |
VMFXX vs VXUS Performance
Vanguard Federal Money Market Fund Investor Class (VMFXX) is a mutual fund from Vanguard (US) and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Year to date, VMFXX is up 0.00% versus a gain of 15.23% for VXUS.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was 0.0% for VMFXX and -39.9% for VXUS. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
VMFXX charges 0.11% per year while VXUS charges 0.05%. On a $10,000 position that is $11 vs $5 annually, a gap of $6 per year that compounds over a long holding period. On income, VMFXX currently yields 3.46% against 2.59% for VXUS.
Holdings Overlap
VMFXX and VXUS share 0 holdings out of 7879 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, VMFXX or VXUS?
VMFXX has an expense ratio of 0.11% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
What is the holdings overlap between VMFXX and VXUS?
VMFXX and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7879 unique securities.
Which pays a higher dividend, VMFXX or VXUS?
VMFXX yields 3.46% while VXUS yields 2.59%, so VMFXX currently pays the higher dividend yield.
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