Updated Reviewed quarterly
VTI vs VXUS: ETF Comparison
VTI · Vanguard
TER 0.03% · Yield 1.0%
VXUS · Vanguard
TER 0.05% · Yield —
Both VTI and VXUS are US-listed and trigger FIF tax for NZ residents above the NZ$50,000 overseas-share threshold. The comparison is about exposure, fee, and strategy — both share the same NZ tax friction.
In 30 seconds: VTI (Vanguard Total Stock Market ETF, Vanguard) trades on the NYSE Arca at 0.03% TER. VXUS (Vanguard Total International Stock ETF, Vanguard) trades on the NASDAQ at 0.05% TER. Both VTI and VXUS are US-listed and trigger FIF tax for NZ residents above the NZ$50,000 overseas-share threshold. The comparison is about exposure, fee, and strategy — both share the same NZ tax friction.
- VTI: Vanguard Total Stock Market ETF — 0.03% TER, FIF above NZ$50K
- VXUS: Vanguard Total International Stock ETF — 0.05% TER, FIF above NZ$50K
- VTI yield: 1.0% (Quarterly)
- VXUS yield: not currently published
- Cheaper TER: VTI
Head-to-head comparison
| Feature | VTI | VXUS |
|---|---|---|
| Fund | Vanguard Total Stock Market ETF | Vanguard Total International Stock ETF |
| Issuer | Vanguard | Vanguard |
| Exchange | NYSE Arca | NASDAQ |
| Total expense ratio | 0.03% | 0.05% |
| Dividend yield (TTM) | 1.0% | — |
| Distribution frequency | Quarterly | Quarterly |
| NZ tax wrapper | FIF above NZ$50K | FIF above NZ$50K |
Where to buy
VTI trades on the NYSE Arca — buy via Hatch, Stake, Sharesies, Tiger and Interactive Brokers. VXUS trades on the NASDAQ — buy via Hatch, Stake, Sharesies, Tiger and Interactive Brokers. See all 11 NZ investment platforms compared.
Frequently asked questions
What is the difference between VTI and VXUS?▾
VTI (Vanguard Total Stock Market ETF) charges 0.03% TER vs VXUS (Vanguard Total International Stock ETF) at 0.05%. Both are issued by Vanguard. Both VTI and VXUS are US-listed and trigger FIF tax for NZ residents above the NZ$50,000 overseas-share threshold. The comparison is about exposure, fee, and strategy — both share the same NZ tax friction.
Which has the lower fee, VTI or VXUS?▾
VTI is cheaper at 0.03% TER vs VXUS at 0.05% — a gap of 0.02 percentage points. Over 30 years on a NZ$50,000 portfolio at 7% pre-fee return, that fee gap compounds to roughly NZ2,129 of foregone wealth.
Which yields more, VTI or VXUS?▾
Yield data for at least one fund is not currently published — check the issuer fact sheet for the latest trailing 12-month yield. Headline yield is gross; after-tax outcome depends on your tax wrapper (FIF above NZ$50K for VTI, FIF above NZ$50K for VXUS).
Can NZ residents buy both VTI and VXUS?▾
Yes. VTI is available via Hatch, Stake, Sharesies, Tiger and Interactive Brokers. VXUS is available via Hatch, Stake, Sharesies, Tiger and Interactive Brokers.
How does NZ tax differ between VTI and VXUS?▾
VTI is FIF above NZ$50K. VXUS is FIF above NZ$50K. Same tax wrapper, no structural tax difference between the two for NZ residents. See /tax/pie-vs-fif/ for the full mechanics.
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