ETF comparison

VUSA vs XDWD

Vanguard S&P 500 UCITS ETF (USD) Distributing
IE00B3XXRP09Vanguard
Xtrackers MSCI World UCITS ETF 1C
IE00BJ0KDQ92Xtrackers
Figures as of September 30, 2026 (VUSA) · October 1, 2026 (XDWD)

The comparison in short

VUSA (Vanguard S&P 500 UCITS ETF (USD) Distributing, IE00B3XXRP09) tracks the S&P 500 index and XDWD (Xtrackers MSCI World UCITS ETF 1C, IE00BJ0KDQ92) the MSCI World index. VUSA has the lower total expense ratio (TER): 0.07% a year against 0.12% for XDWD, 0.05 percentage points less, or about 5 a year on 10,000 invested. VUSA is the larger fund, with USD 88.97bn in assets against GBP 23.32bn for XDWD. 9 of the holdings published by VUSA (top 10) and XDWD (top 10) appear in both lists; measured on those published positions only, the overlap is at least 27.7%. Shared holdings include NVIDIA Corp., Apple Inc., Microsoft Corp., Alphabet Inc. and Amazon.com Inc.. In 2025, VUSA returned +17.6% and XDWD +21.2%, a gap of 3.6 percentage points. Over 10 years, VUSA returned +15.0% a year and XDWD +12.9% a year. XDWD reinvests its income (accumulating), while VUSA pays it out (distributing). VUSA and XDWD both hold the index securities directly (physical replication). Both are domiciled in Ireland. VUSA and XDWD both carry a risk indicator (SRRI) of 4 on the 1–7 scale. This is a factual comparison from the fund houses' documents, not investment advice.

Side by side

FigureVUSAXDWD
ISINIE00B3XXRP09IE00BJ0KDQ92
Exchange tickersVUSA, VUSDXDWD, XWLD
Fund houseVanguardXtrackers
Total expense ratio (TER)0.07%0.12%
Ongoing charges (KID)0.07%0.12%
Fund sizeUSD 88.97bnGBP 23.32bn
Launch dateMay 22, 2012July 22, 2014
ReplicationPhysicalPhysical
DomicileIrelandIreland
Distribution policyDistributingAccumulating
Share class currencyUSDUSD
Number of holdings512—
Risk indicator (SRRI)4 / 74 / 7
SFDR classification—Article 6
BenchmarkS&P 500 Net Total ReturnMSCI Total Return Net World Index

Performance

Calendar-year returns

YearVUSAXDWDDifference
2025+17.6%+21.2%−3.6
2024+24.7%+18.7%+6.0
2023+25.9%+23.9%+2.0
2022−18.3%−18.1%−0.2
2021+28.4%+21.9%+6.5
2020+18.0%+16.0%+2.0

Annualised returns

PeriodVUSAXDWDDifference
1 year+15.5%+14.7%+0.8
3 years+22.6%+21.4%+1.2
5 years+13.5%+11.8%+1.7
10 years+15.0%+12.9%+2.1
Returns as published by each fund house, in each share class's currency and net of the fund's charges. The difference is in percentage points. Past performance does not predict future returns.

Holdings

9 of the holdings published by VUSA (top 10) and XDWD (top 10) appear in both lists; measured on those published positions only, the overlap is at least 27.7%. Shared holdings include NVIDIA Corp., Apple Inc., Microsoft Corp., Alphabet Inc. and Amazon.com Inc..

Top 10 holdings of VUSA

#HoldingWeight
1
NVIDIA Corp.In both
8.10%
2
Apple Inc.In both
7.00%
3
Microsoft Corp.In both
5.70%
4
Alphabet Inc.In both
5.40%
5
Amazon.com Inc.In both
3.80%
6
Broadcom Inc.In both
2.70%
7
Meta Platforms Inc.In both
1.90%
8
Micron Technology Inc.In both
1.60%
9
Tesla Inc.In both
1.60%
10
JPMorgan Chase & Co.
1.40%

Top 10 holdings of XDWD

#HoldingWeight
1
NVIDIAIn both
5.85%
2
APPLEIn both
5.35%
3
MICROSOFTIn both
3.99%
4
AMAZON COM INCIn both
2.65%
5
ALPHABET CLASS AIn both
2.19%
6
META PLATFORMS CLASS AIn both
1.76%
7
ALPHABET CLASS CIn both
1.73%
8
BROADCOM INCIn both
1.71%
9
MICRON TECHNOLOGYIn both
1.37%
10
TESLA INCIn both
1.12%
Compare every published holding of VUSA and XDWD in the overlap checker

Sectors and countries

Largest sectors of VUSA

  1. Information Technology37.9%
  2. Financials12.3%
  3. Communication Services9.5%
  4. Health Care9.3%
  5. Consumer Discretionary9.1%
  6. Industrials8.3%
+ 4 more

Largest sectors of XDWD

  1. Information Technology29.4%
  2. Others24.8%
  3. Financials16.1%
  4. Industrials11.5%
  5. Health Care9.3%
  6. Consumer Discretionary8.9%

Largest countries of VUSA

  1. United States99.9%
  2. United Kingdom0.1%

Largest countries of XDWD

  1. United States71.6%
  2. Others14.0%
  3. Japan5.8%
  4. Canada3.3%
  5. United Kingdom3.0%
  6. Switzerland2.4%

Frequently asked questions

What is the difference between VUSA and XDWD?

VUSA (Vanguard S&P 500 UCITS ETF (USD) Distributing, IE00B3XXRP09) tracks the S&P 500 index and XDWD (Xtrackers MSCI World UCITS ETF 1C, IE00BJ0KDQ92) the MSCI World index. VUSA has the lower total expense ratio (TER): 0.07% a year against 0.12% for XDWD, 0.05 percentage points less, or about 5 a year on 10,000 invested. XDWD reinvests its income (accumulating), while VUSA pays it out (distributing). VUSA and XDWD both hold the index securities directly (physical replication). Both are domiciled in Ireland. This is a factual comparison from the fund houses' documents, not investment advice.

Which is cheaper, VUSA or XDWD?

VUSA has the lower total expense ratio (TER): 0.07% a year against 0.12% for XDWD, 0.05 percentage points less, or about 5 a year on 10,000 invested. Their key information documents state ongoing charges of 0.07% for VUSA and 0.12% for XDWD.

Which is bigger, VUSA or XDWD?

VUSA is the larger fund, with USD 88.97bn in assets against GBP 23.32bn for XDWD.

Do VUSA and XDWD hold the same companies?

9 of the holdings published by VUSA (top 10) and XDWD (top 10) appear in both lists; measured on those published positions only, the overlap is at least 27.7%. Shared holdings include NVIDIA Corp., Apple Inc., Microsoft Corp., Alphabet Inc. and Amazon.com Inc..

How did VUSA and XDWD perform in 2025?

In 2025, VUSA returned +17.6% and XDWD +21.2%, a gap of 3.6 percentage points. Over 10 years, VUSA returned +15.0% a year and XDWD +12.9% a year. Over the past year, VUSA returned +15.5% and XDWD +14.7%. Past performance does not predict future returns.

Are VUSA and XDWD accumulating or distributing?

VUSA is distributing: it pays its income out to investors. XDWD is accumulating: it reinvests its income in the fund.

Go further

Other comparisons

Figures are read from the documents each fund house publishes (product page, factsheet, key information document, holdings file) and refreshed weekly. Names and tickers identify the products; FundFacts API is independent of every fund house and index provider. This comparison is factual information, not investment advice or a recommendation to buy or sell either fund.