VXUS vs XBIL
Vanguard Total International Stock ETF vs F/m US Treasury 6 Month Bill 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 | VXUS | XBIL | Winner |
|---|---|---|---|
| Expense Ratio | 0.05% | 0.15% | |
| AUM | $156.5B | $742M | |
| Dividend Yield | 2.60% | 4.07% | |
| Holdings | 8,747 | 3 | |
| YTD Return | +14.19% | +2.12% | |
| 1Y Return | +27.38% | +3.78% | |
| 3Y Return (annualized) | +19.53% | +4.98% | |
| 5Y Return (annualized) | +9.03% | - | |
| Volatility (annualized) | 15.1% | 0.6% | |
| Max Drawdown | -39.9% | -0.1% | |
| Fund Family | Vanguard (US) | US Benchmark Series | |
| Category | Equity | Fixed Income | |
| Inception | Jan 26, 2011 | Mar 7, 2023 |
VXUS vs XBIL Performance
Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US) and F/m US Treasury 6 Month Bill ETF (XBIL) is a ETF from US Benchmark Series. Over the past year VXUS returned +27.38% while XBIL returned +3.78%. Year to date, VXUS is up 14.19% versus a gain of 2.12% for XBIL.
Over three years, VXUS compounded at +19.53% per year against +4.98% for XBIL. Across the full 3-year window we track, XBIL has the edge at +4.97% annualized vs +4.83%. 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 0.6% for XBIL. 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 -39.9% for VXUS and -0.1% for XBIL. 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 0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VXUS charges 0.05% per year while XBIL charges 0.15%. On a $10,000 position that is $5 vs $15 annually, a gap of $10 per year that compounds over a long holding period. On income, VXUS currently yields 2.60% against 4.07% for XBIL.
Holdings Overlap
VXUS and XBIL share 0 holdings out of 7862 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, VXUS or XBIL?
VXUS has an expense ratio of 0.05% while XBIL charges 0.15%. VXUS is the cheaper option. On a $10,000 investment, that is $10 per year of difference.
Which performed better, VXUS or XBIL?
Over the past year VXUS returned +27.38% vs +3.78% for XBIL, so VXUS leads on 1-year performance. Over the longest common window we track (3 years), VXUS annualized +4.83% vs +4.97% for XBIL. Past performance does not guarantee future results.
Which is riskier, VXUS or XBIL?
VXUS has been the more volatile fund at 15.1% annualized versus 0.6% for XBIL. Worst drawdown: VXUS -39.9% vs XBIL -0.1%.
Should I hold both VXUS and XBIL?
VXUS and XBIL have a monthly-return correlation of 0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VXUS and XBIL?
VXUS and XBIL share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7862 unique securities.
Which pays a higher dividend, VXUS or XBIL?
VXUS yields 2.60% while XBIL yields 4.07%, so XBIL currently pays the higher dividend yield.
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