VXUS vs XTOC
VXUS vs XTOC
Vanguard Total International Stock ETF vs Innovator US Equity Accelerated Plus ETF - October
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 | XTOC | Winner |
|---|---|---|---|
| Expense Ratio | 0.05% | 0.79% | |
| AUM | $156.5B | $26M | |
| Dividend Yield | 2.60% | 0.00% | |
| Holdings | 8,747 | 5 | |
| YTD Return | +14.57% | +9.90% | |
| 1Y Return | +27.82% | +15.51% | |
| 3Y Return (annualized) | +19.27% | +14.89% | |
| 5Y Return (annualized) | +9.28% | - | |
| Volatility (annualized) | 15.1% | 13.1% | |
| Max Drawdown | -39.9% | -24.1% | |
| Fund Family | Vanguard (US) | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | Jan 26, 2011 | Sep 30, 2021 |
VXUS vs XTOC Performance
Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US) and Innovator US Equity Accelerated Plus ETF - October (XTOC) is a ETF from Innovator ETFs Trust. Over the past year VXUS returned +27.82% while XTOC returned +15.51%. Year to date, VXUS is up 14.57% versus a gain of 9.90% for XTOC.
Over three years, VXUS compounded at +19.27% per year against +14.89% for XTOC. Across the full 5-year window we track, XTOC has the edge at +8.93% annualized vs +4.86%. 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 13.1% for XTOC. 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 -24.1% for XTOC. 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VXUS charges 0.05% per year while XTOC charges 0.79%. On a $10,000 position that is $5 vs $79 annually, a gap of $74 per year that compounds over a long holding period. On income, VXUS currently yields 2.60% against 0.00% for XTOC.
Frequently Asked Questions
Which is cheaper, VXUS or XTOC?
VXUS has an expense ratio of 0.05% while XTOC charges 0.79%. VXUS is the cheaper option. On a $10,000 investment, that is $74 per year of difference.
Which performed better, VXUS or XTOC?
Over the past year VXUS returned +27.82% vs +15.51% for XTOC, so VXUS leads on 1-year performance. Over the longest common window we track (5 years), VXUS annualized +4.86% vs +8.93% for XTOC. Past performance does not guarantee future results.
Which is riskier, VXUS or XTOC?
VXUS has been the more volatile fund at 15.1% annualized versus 13.1% for XTOC. Worst drawdown: VXUS -39.9% vs XTOC -24.1%.
Should I hold both VXUS and XTOC?
VXUS and XTOC have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, VXUS or XTOC?
VXUS yields 2.60% while XTOC yields 0.00%, so VXUS currently pays the higher dividend yield.
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