International vs US
VXUS vs VTI historical comparison
Compare a total international fund against a total US market fund across the same historical window.
Modeled result
From 2012 to 2025, VTI finished ahead of VXUS before tax.
Historical model
Growth of $10,000
2012-01-03 to 2025-12-31
| Date | VXUS | VTI |
|---|---|---|
| Approx. Jan 2012 | $10,000 | $10,000 |
| Approx. Jun 2012 | $9,789 | $10,557 |
| Approx. Sep 2012 | $10,910 | $11,619 |
| Approx. Mar 2013 | $11,795 | $12,616 |
| Approx. Jun 2013 | $11,790 | $13,353 |
| Approx. Nov 2013 | $12,935 | $14,879 |
| Approx. Feb 2014 | $13,185 | $15,440 |
| Approx. Aug 2014 | $13,654 | $16,244 |
| Approx. Nov 2014 | $12,892 | $16,946 |
| Approx. Apr 2015 | $13,777 | $17,640 |
| Approx. Jul 2015 | $12,955 | $17,541 |
| Approx. Jan 2016 | $11,297 | $16,181 |
| Approx. Apr 2016 | $12,122 | $17,492 |
| Approx. Sep 2016 | $12,819 | $18,587 |
| Approx. Dec 2016 | $12,546 | $19,712 |
| Approx. Jun 2017 | $14,496 | $21,303 |
| Approx. Sep 2017 | $15,344 | $21,846 |
| Approx. Mar 2018 | $16,072 | $24,108 |
| Approx. May 2018 | $15,732 | $24,104 |
| Approx. Nov 2018 | $14,496 | $24,421 |
| Approx. Feb 2019 | $14,739 | $24,856 |
| Approx. Aug 2019 | $14,795 | $26,075 |
| Approx. Oct 2019 | $15,902 | $27,499 |
| Approx. Apr 2020 | $13,196 | $25,117 |
| Approx. Jul 2020 | $15,558 | $29,398 |
| Approx. Jan 2021 | $18,944 | $35,263 |
| Approx. Apr 2021 | $19,655 | $38,281 |
| Approx. Sep 2021 | $20,120 | $41,292 |
| Approx. Dec 2021 | $19,892 | $44,027 |
| Approx. Jun 2022 | $18,114 | $38,669 |
| Approx. Sep 2022 | $16,293 | $36,962 |
| Approx. Feb 2023 | $17,911 | $37,870 |
| Approx. May 2023 | $18,466 | $39,146 |
| Approx. Nov 2023 | $17,873 | $41,038 |
| Approx. Feb 2024 | $19,496 | $46,695 |
| Approx. Jul 2024 | $20,893 | $51,800 |
| Approx. Oct 2024 | $21,717 | $55,416 |
| Approx. Apr 2025 | $21,465 | $51,143 |
| Approx. Jul 2025 | $24,472 | $59,863 |
| Approx. Dec 2025 | $27,354 | $65,589 |
| Holding | Ending value | CAGR | Max drawdown |
|---|---|---|---|
VXUS International (VXUS) | $27,354 | 7.46% | -35.97% |
VTI US total market (VTI) | $65,589 | 14.39% | -35.00% |
VXUS
International (VXUS)
- Ending value
- $27,354
- CAGR
- 7.46%
- Max drawdown
- -35.97%
VTI
US total market (VTI)
- Ending value
- $65,589
- CAGR
- 14.39%
- Max drawdown
- -35.00%
Pre-tax results only. Foreign tax credits and withholding are not included in this comparison.
Detailed metrics
| Holding | Pre-tax value | Pre-tax CAGR | Max drawdown |
|---|---|---|---|
International (VXUS) VXUS | $27,354 | 7.46% | -35.97% |
US total market (VTI) VTI | $65,589 | 14.39% | -35.00% |
Assumptions
$10,000 lump sum; distributions reinvested; monthly rebalancing; 2012-01-03 to 2025-12-31.
FAQ
- What is the foreign tax credit consideration here?
- International funds pay foreign taxes on their dividends. In a taxable account those taxes may be claimable as a foreign tax credit, which is not available inside an IRA or Roth. That can influence where investors place international exposure.
- Does the backtest model the foreign tax credit?
- No. This public exhibit stays pre-tax because foreign withholding and credits are not included in the comparison.
Related pages
Portfolio Backtest
Run this pre-tax comparison with your own dates.
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