MAIFX vs. VXUS
MAIFX (Mutual of America International Fund) and VXUS (Vanguard Total International Stock ETF) are both funds - MAIFX is a Foreign Large Cap Equities fund managed by Mutual of America, while VXUS is a Global Equities fund tracking the FTSE Global All Cap ex US Index. Over the past 5 years, MAIFX returned 10.16%/yr vs 8.78%/yr for VXUS. Their correlation of 0.82 means they have usually moved in the same direction. MAIFX charges 0.13%/yr vs 0.05%/yr for VXUS.
Performance
MAIFX vs. VXUS - Performance Comparison
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Returns By Period
In the year-to-date period, MAIFX achieves a 11.94% return, which is significantly lower than VXUS's 12.75% return.
MAIFX
- 1D
- 2.98%
- 1M
- 2.37%
- 6M
- 5.24%
- YTD
- 11.94%
- 1Y
- 26.44%
- 3Y*
- 17.79%
- 5Y*
- 10.16%
- 10Y*
- —
- ALL TIME*
- 55.37%
VXUS
- 1D
- -0.21%
- 1M
- -0.29%
- 6M
- 6.78%
- YTD
- 12.75%
- 1Y
- 27.56%
- 3Y*
- 17.23%
- 5Y*
- 8.78%
- 10Y*
- 9.44%
- ALL TIME*
- 6.55%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $362.62M | $406.11M | $507.75M |
MAIFX vs. VXUS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
MAIFX Mutual of America International Fund | 11.94% | 37.23% | 3.22% | 16.96% | -12.81% | 9.11% | 926.37% |
VXUS Vanguard Total International Stock ETF | 12.75% | 32.35% | 5.08% | 15.86% | -16.08% | 8.98% | 10.66% |
Correlation
The correlation between MAIFX and VXUS is 0.86, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.86 |
Correlation (3Y) Balances recent behavior with more history. | 0.88 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.83 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2020 | 0.82 |
The correlation between MAIFX and VXUS has been stable across timeframes, ranging from 0.82 to 0.88 - a consistent structural relationship.
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Return for Risk
MAIFX vs. VXUS — Risk / Return Rank
MAIFX
VXUS
MAIFX vs. VXUS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Mutual of America International Fund (MAIFX) and Vanguard Total International Stock ETF (VXUS). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| MAIFX | VXUS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.07 | ||
| Sortino ratioReturn per unit of downside risk | +0.28 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.30 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.45 | 2.42 | +0.03 |
| Martin ratioReturn relative to average drawdown | 8.31 | 8.87 | -0.56 |
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Drawdowns
MAIFX vs. VXUS - Drawdown Comparison
The maximum MAIFX drawdown since its inception was -33.70%, smaller than the maximum VXUS drawdown of -35.97%. Use the drawdown chart below to compare losses from any high point for MAIFX and VXUS.
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Drawdown Indicators
| MAIFX | VXUS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.70% | -35.97% | +2.27% |
Max Drawdown (1Y)Largest decline over 1 year | -11.57% | -11.27% | -0.30% |
Max Drawdown (3Y)Largest decline over 3 years | -12.87% | -13.58% | +0.71% |
Max Drawdown (5Y)Largest decline over 5 years | -29.00% | -29.44% | +0.44% |
Max Drawdown (10Y)Largest decline over 10 years | — | -35.97% | — |
Current DrawdownCurrent decline from peak | 0.00% | -2.84% | +2.84% |
Average DrawdownAverage peak-to-trough decline | -5.95% | -8.16% | +2.21% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.28% | 3.07% | +0.21% |
Volatility
MAIFX vs. VXUS - Volatility Comparison
Mutual of America International Fund (MAIFX) and Vanguard Total International Stock ETF (VXUS) have volatilities of 5.06% and 5.29%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| MAIFX | VXUS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.06% | 5.29% | -0.23% |
Volatility (6M)Calculated over the trailing 6-month period | 13.99% | 15.06% | -1.07% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.85% | 16.86% | -0.01% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.45% | 16.35% | +2.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 374.55% | 17.03% | +357.52% |
MAIFX vs. VXUS - Expense Ratio Comparison
MAIFX has a 0.13% expense ratio, which is higher than VXUS's 0.05% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
MAIFX vs. VXUS - Dividend Comparison
MAIFX's dividend yield for the trailing twelve months is around 3.31%, more than VXUS's 2.59% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MAIFX Mutual of America International Fund | 3.31% | 3.39% | 1.94% | 3.77% | 9.48% | 9.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VXUS Vanguard Total International Stock ETF | 2.59% | 3.18% | 3.37% | 3.24% | 3.09% | 3.10% | 2.14% | 3.06% | 3.18% | 2.73% | 2.93% | 2.83% |
Frequently Asked Questions
MAIFX and VXUS have a correlation of 0.86, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
VXUS has higher volatility (5.29%) compared to MAIFX (5.06%). In terms of maximum drawdown, MAIFX dropped -33.70% vs VXUS's -35.97%.
MAIFX currently has the higher Sharpe Ratio (1.68 vs 1.62), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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