TFNS vs VXUS
TFNS vs VXUS
T. Rowe Price Financials ETF vs Vanguard Total International Stock ETF
Quick Verdict
VXUS has a lower expense ratio. VXUS delivered stronger 1-year returns. VXUS offers more diversification with 7860 holdings.
Side-by-Side Comparison
| Metric | TFNS | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.44% | 0.05% | |
| AUM | - | $156.5B | |
| Dividend Yield | - | 2.60% | |
| Holdings | 347 | 8,747 | |
| YTD Return | +7.12% | +11.69% | |
| 1Y Return | +16.25% | +26.65% | |
| 3Y Return (annualized) | - | +18.15% | |
| 5Y Return (annualized) | - | +8.66% | |
| Volatility (annualized) | 11.9% | 15.0% | |
| Max Drawdown | -14.0% | -39.9% | |
| Fund Family | T.Rowe Price | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 11, 2025 | Jan 26, 2011 |
TFNS vs VXUS Performance
T. Rowe Price Financials ETF (TFNS) is a ETF from T.Rowe Price and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year TFNS returned +16.25% while VXUS returned +26.65%. Year to date, TFNS is up 7.12% versus a gain of 11.69% for VXUS.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.0% compared with 11.9% for TFNS. 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 -14.0% for TFNS and -39.9% for VXUS. 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 0.17. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TFNS charges 0.44% per year while VXUS charges 0.05%. On a $10,000 position that is $44 vs $5 annually, a gap of $39 per year that compounds over a long holding period.
Holdings Overlap
TFNS and VXUS share 0 holdings out of 8022 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, TFNS or VXUS?
TFNS has an expense ratio of 0.44% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $39 per year of difference.
Which performed better, TFNS or VXUS?
Over the past year TFNS returned +16.25% vs +26.65% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (1 years), TFNS annualized +16.15% vs +4.69% for VXUS. Past performance does not guarantee future results.
Which is riskier, TFNS or VXUS?
VXUS has been the more volatile fund at 15.0% annualized versus 11.9% for TFNS. Worst drawdown: TFNS -14.0% vs VXUS -39.9%.
Should I hold both TFNS and VXUS?
TFNS and VXUS have a monthly-return correlation of 0.17, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TFNS and VXUS?
TFNS and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 8022 unique securities.
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