FCLD vs VTI
Fidelity Cloud Computing ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FCLD or VTI?
Mid Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. FCLD led over 1Y and 3Y, VTI over 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 39.9%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | FCLD | VTI |
|---|---|---|
| Expense Ratio | 0.39% | 0.03%Best |
| AUM | $145M | $690.1B |
| Dividend Yield | 0.01% | 1.03% |
| Holdings | 100 | 3,524 |
| YTD Return | +53.11%Best | +13.35% |
| 1Y Return | +52.56%Best | +15.92% |
| 3Y Return (annualized) | +34.80%Best | +23.41% |
| 5Y Return (annualized) | +12.14% | +12.83%Best |
| Volatility (annualized) | 26.8% | 15.7%Best |
| Max Drawdown | -50.9% | -25.4%Best |
| $10,000 over 5 years | $17,734 | $18,286Best |
| Top 10 Weight | 39.9% | 33.3%Best |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Blend |
| Inception | Oct 5, 2021 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Oct 7, 2021 to Oct 2, 2026 (5 years).
FCLD vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 5 years both funds cover.
FCLD vs VTI Performance
Fidelity Cloud Computing ETF (FCLD) is an ETF from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FCLD returned +52.56% while VTI returned +15.92%. Year to date, FCLD is up 53.11% versus a gain of 13.35% for VTI.
Over three years, FCLD compounded at +34.80% per year against +23.41% for VTI; over five years the annualized figures are +12.14% and +12.83% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FCLD has been the more volatile fund, with annualized monthly volatility of 26.8% compared with 15.7% for VTI. 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 -50.9% for FCLD and -25.4% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FCLD charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, FCLD currently yields 0.01% against 1.03% for VTI.
Holdings Overlap
93.1% of FCLD's money is in holdings VTI also owns. 10.7% of VTI's money is in holdings FCLD also owns.
Most of FCLD is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 46 days apart, FCLD as of Sep 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
43 positions in common, counted across the 50 positions we hold weights for in FCLD and 3,463 in VTI, against full books of 100 and 3,524.
What only one of them owns
Our book lists 1,115 positions for VTI that do not appear in our book for FCLD (86.8% of the fund), and 1 for FCLD that do not appear in VTI (1.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in FCLD | Weight in VTI | Difference |
|---|---|---|---|
| MSFTMicrosoft Corp | 4.92% | 4.79% | 0.13% |
| CRMSalesforce Inc Crm Us Equity | 5.58% | 0.20% | 5.38% |
| AMZNAmazon.Com Inc | 1.91% | 3.65% | 1.74% |
| SNOWSnowflake Inc | 4.44% | 0.13% | 4.31% |
| NOWServicenow, Inc | 4.30% | 0.16% | 4.14% |
| SNDKSandisk Corp/De | 3.95% | 0.25% | 3.70% |
| STXSeagate Technolo | 3.81% | 0.27% | 3.54% |
| EQIXEquinix Inc. Real Estate Investment Trust | 3.47% | 0.14% | 3.33% |
| WDCWestern Digital Corp. | 3.30% | 0.26% | 3.04% |
| TEAMAtlassian Corp-Cl A | 3.17% | 0.02% | 3.15% |
93.1% of FCLD is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FCLD or VTI?
FCLD has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option, by $36 a year on a $10,000 investment.
Which performed better, FCLD or VTI?
Over the past year FCLD returned +52.56% vs +15.92% for VTI, so FCLD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FCLD or VTI?
FCLD has been the more volatile fund at 26.8% annualized versus 15.7% for VTI. Worst drawdown: FCLD -50.9% vs VTI -25.4%.
Should I hold both FCLD and VTI?
FCLD and VTI have a monthly-return correlation of 0.77, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between FCLD and VTI?
93.1% of FCLD's money is in holdings VTI also owns. 10.7% of VTI's is in holdings FCLD also owns. They hold 43 positions in common, counted across the 50 positions we hold weights for in FCLD and 3,463 in VTI.
Which pays a higher dividend, FCLD or VTI?
FCLD yields 0.01% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than FCLD?
VTI has a lower expense ratio. FCLD led over 1Y and 3Y, VTI over 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 39.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.