VXUS vs XPAY: Performance, Holdings, Fees & Risk
VXUS and XPAY are ETFs, but they can differ materially in exposure, yield, fees and risk. VXUS is Vanguard Total International Stock ETF, while XPAY is Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF. VXUS is broader by holdings count, with 8,821 positions versus 15 for XPAY. XPAY is more concentrated at the top, based on top-10 holdings weight. Current AlgovestIQ evidence has VXUS ahead on AIQ Score, 63 versus 44.
What is the main difference between VXUS and XPAY?
VXUS holds 8,821 positions to XPAY's 15, and 0% of their weight is in the same securities.
| Metric | VXUS | XPAY |
|---|---|---|
| Fund | ||
| Expense ratio | 0.05% | 0.49% |
| Holdings | 8,821 | 15 |
| Top-10 concentration | 12.9% | 90.1% |
| Distribution yieldTrailing 12 months | 2.37% | 21.22% |
| Average volume | 5,459,776 | 52,025 |
| Performance | ||
| 1Y return | +12.8% | -4.9% |
| YTD return | +11% | -4.7% |
| Risk | ||
| Annualized volatility | 17.2% | 14.2% |
| Max drawdown (1Y) | -11.4% | -15.5% |
| Beta | 1.11 | 0.99 |
| Sharpe ratio | 0.56 | -0.60 |
| Sortino ratio | 0.83 | -0.77 |
| AlgovestIQ | ||
| AIQ Score | 63/100 | 44/100 |
| AIQ Edge Score | 9/10 | 3/10 |
| Momentum | 41/100 | 37/100 |
| Risk Resilience | 82/100 | 83/100 |
AlgovestIQ AIQ Comparison
Vanguard Total International Stock ETF vs Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF
VXUS leads
VXUS leads by 19 AIQ points, primarily on Quality and Value, and the lead has widened from 16 points over 30 sessions.
Competitive: 3 of 4 evidence groups support VXUS, its lead is widening, and its current signal state is conflicted.
Vanguard Total International Stock ETF
Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF
The Algovestiq AIQ Score currently favors VXUS over XPAY, 63 versus 44 as of Oct 21, 2026. VXUS's advantage is driven primarily by stronger quality and value. VXUS also shows the weaker technical structure relative to its 50-day moving average. 3 of 4 covered evidence groups favor VXUS today, and the comparison is rated Competitive on stability: the leader is throwing conflicting signals. VXUS lead: Strengthening — the AIQ differential moved from 16 to 19 points over 30 sessions.
Compare Vanguard Total International Stock ETF and Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
VXUS vs XPAY: which fits what
Each row is settled by a single measure. Where the gap is too small to matter it reads Similar, and no row decides the comparison as a whole.
| If you want | VXUS | XPAY | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.05% | 0.49% | VXUS |
| Broader diversificationNumber of holdings | 8,821 | 15 | VXUS |
| Lower concentrationWeight of the 10 largest holdings | 12.9% | 90.1% | VXUS |
| Higher incomeTrailing 12-month distribution yield | 2.37% | 21.22% | XPAY |
| Smaller drawdownsMax drawdown, 1 year | -11.4% | -15.5% | VXUS |
| Lower volatilityAnnualized volatility, 1 year | 17.2% | 14.2% | XPAY |
Similar means the gap is within 0.01 percentage points of expense ratio, 25% more holdings, 3 points of top-10 weight, 0.2 points of yield, 2 points of drawdown or 1 point of volatility. Past drawdowns and volatility describe the funds’ history, not their future.
Performance over time
Total return with distributions reinvested, from daily closes for both ETFs.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare VXUS and XPAY against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Quality76 vs 35VXUS +41
- Value59 vs 40VXUS +19
- Momentum41 vs 37VXUS +4
- Risk Resilience82 vs 83Even
3 of 4 evidence groups favor VXUS. VXUS’s edge is concentrated in quality and value.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +6
No signal started or stopped since the prior session; its 4 active signals are unchanged.
Largest factor move: Momentum +3
No signal started or stopped since the prior session; its 5 active signals are unchanged.
VXUS's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — VXUS and XPAY both carry a full feed there.
Fund facts, side by side
Two funds tracking overlapping universes are separated by cost and risk far more than by holdings. Those lead here.
| Measure | VXUS | XPAY | Why it matters |
|---|---|---|---|
| Expense ratio | 0.05% | 0.49% | Lower is better — it compounds against you every year you hold. |
| Holdings | 8,821 | 15 | More holdings means broader diversification, not better returns. |
| Average volume | 5,459,776 | 52,025 | Liquidity — matters most if you trade size. |
| Annualized volatility | 17.2% | 14.2% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -11.4% | -15.5% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | 0.56 | -0.60 | Return per unit of risk. Higher is better. |
| Beta | 1.11 | 0.99 | Sensitivity to the broad market. Neither direction is better — it depends on the role in your portfolio. |
Where the exposure actually sits
Sector exposure for each fund, ordered by the size of the difference.
How much of the same holdings they own
VXUS and XPAY share 0% of their weighted exposure across 0 common holdings.
8,281 holdings are unique to VXUS, and 14 holdings are unique to XPAY. Owning both is genuinely additive — most of the capital sits in different securities.
XPAY is the more concentrated of the two: its ten largest positions are 90.14% of the fund, against 12.94% for VXUS (15 holdings vs 8,821). Concentration cuts both ways — it is what drives outperformance when the top names work, and what makes the drawdown deeper when they do not.
What VXUS adds that XPAY doesn’t
| Holding | VXUS | XPAY |
|---|---|---|
| 2330.TWTaiwan Semiconductor Manufacturing Co Ltd | 4.02% | Not held |
| 005930.KSSamsung Electronics Co Ltd | 1.8% | Not held |
| ASML.ASASML Holding NV | 1.42% | Not held |
| 000660.KSSK hynix Inc | 1.41% | Not held |
| 0700.HKTencent Holdings Ltd | 0.85% | Not held |
| HSBA.LHSBC Holdings PLC | 0.82% | Not held |
What XPAY adds that VXUS doesn’t
| Holding | XPAY | VXUS |
|---|---|---|
| 4SPY 270212C00033470SPY 02/12/2027 33.47 C | 14.11% | Not held |
| 4SPY 270716C00036700SPY 07/16/2027 36.7 C | 12.1% | Not held |
| 4SPY 270312C00033670SPY 03/12/2027 33.67 C | 11.82% | Not held |
| 4SPY 270416C00033870SPY 04/16/2027 33.87 C | 11.79% | Not held |
| 4SPY 270611C00037110SPY 06/11/2027 37.11 C | 10.34% | Not held |
| 4SPY 270115C00033210SPY 01/15/2027 33.21 C | 7.14% | Not held |
Each list is a fund’s largest positions by weight that the other fund does not hold, or holds at less than half the weight.
VXUS vs XPAY: five-year payout growth
VXUS grew its split-adjusted payout at 13.28% a year over 2020-2025. XPAY began paying distributions in 2024, so it has no 2020-2025 growth rate to compare. VXUS: The 2020 payout was 24.6% below 2019, so the growth rate measures a recovery from a weak starting year. VXUS: The payout jumped 53.0% in 2021, a single step rather than steady compounding - often an index or mandate change. VXUS: A single payment in an endpoint year was 3.9x the fund's median payment, so one distribution carries much of the result.
| Dividend metric | VXUS | XPAY |
|---|---|---|
| 2025 annual payout | $2.399 | $11.434 |
| Peer rank | #43 of 138 | not ranked |
Split-adjusted annual distributions, 2020–2025. Research as of Sep 19, 2026. Yield and expense ratio above are current values, not part of this window.
AIQ Agreement Matrix
3 of 4 covered evidence groups favor VXUS. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | VXUS | 63 vs 44 |
| Fundamentals | Not covered | Not covered |
| Valuation | VXUS | Value 59 vs 40 |
| Technicals | VXUS | Price vs 50-day -2.6% vs -1.6%; vs 200-day 0.6% vs -2.4% |
| Risk Resilience | Even | Risk Resilience 82 vs 83 |
| Analyst expectations | Not covered | Not covered |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of VXUS and XPAY and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is wide at 19 points. (supports the conclusion holding)
- The leader's advantage has been widening. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on VXUS.
How the comparison changed
45 daily snapshots · Sep 6 – Oct 20VXUS lead: Strengthening — the AIQ differential moved from 16 to 19 points over 30 sessions.
- Today
- VXUS +19
- 63 vs 44
- 7 sessions ago
- VXUS +18
- 61 vs 43
- 30 sessions ago
- VXUS +16
- 62 vs 46
- 90 sessions ago
- Not covered
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 1 bearish / 2 neutral, conflicted
Only VXUS
- Golden Cross Active — bullish, trend, long horizon (3.63%)
0 bullish / 3 bearish / 2 neutral
Only XPAY
- Death Cross Active — bearish, trend, long horizon (0.20%)
- Downtrend Structure Active — bearish, trend, long horizon
Both carry 3 more signals that do not separate them: Bollinger Band Squeeze, ATR Contraction - Coiling, MACD Bearish Crossover.
VXUS leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +0.31%, AIQ +1 points).
Price and the AIQ Score both moved up over the latest session (price +0.53%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1XPAY closes the Quality gap — currently 41 points behind, the largest single contributor to VXUS's edge.
- 2XPAY's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3VXUS's conflicting signal state resolves bearish — it currently carries 1 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Performance
VXUS leads 5 of 6 windows| Metric | VXUS | XPAY |
|---|---|---|
| 1 week (5 sessions) | -0.9% | -2.9% |
| 1 month (20 sessions) | -4.3% | -2.4% |
| 3 months (63 sessions) | -0.9% | -2.3% |
| 6 months (126 sessions) | 2.3% | -1.2% |
| Year to date | 11% | -4.7% |
| 1 year (252 sessions) | 12.8% | -4.9% |
Technicals
VXUS has the stronger structure| Metric | VXUS | XPAY |
|---|---|---|
| RSI (14) | 41.4 | 44.6 |
| ADX (14) | 19.9 | 18.4 |
| Price vs 50-day | -2.6% | -1.6% |
| Price vs 200-day | 0.6% | -2.4% |
| Volatility (1M, annualized) | 12.1% | 14.3% |
Risk
Split| Metric | VXUS | XPAY |
|---|---|---|
| Beta | 1.11 | 0.99 |
| Sharpe ratio | 0.56 | -0.6 |
| Sortino ratio | 0.83 | -0.77 |
| Max drawdown | -11.4% | -15.5% |
| Current drawdown | -5.3% | -8.5% |
| Annualized volatility | 17.2% | 14.2% |
| Value at risk (95%) | -1.7% | -1.6% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
What is the difference between VXUS and XPAY?
VXUS holds 8,821 positions to XPAY's 15, and 0% of their weight is in the same securities.
How much do VXUS and XPAY overlap?
VXUS and XPAY share 0% of their weighted exposure across 0 common holdings. 8,281 holdings are unique to VXUS, and 14 holdings are unique to XPAY. Owning both is genuinely additive — most of the capital sits in different securities.
Which ETF is more diversified, VXUS or XPAY?
VXUS holds more positions: 8,821 versus 15 for XPAY.
Which has the lower expense ratio?
VXUS has the lower expense ratio, 0.05% a year against 0.49% for XPAY.
Which ETF has the higher distribution yield?
XPAY, with a trailing 12-month distribution yield of 21.22% against 2.37% for VXUS.
Which ETF has been more volatile?
VXUS has been more volatile over the past year, at 17.2% annualized against 14.2% for XPAY.
Which ETF has had the smaller drawdown?
VXUS fell less from peak to trough over the past year: -11.4% against -15.5% for XPAY.
Compare VXUS and XPAY with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.