FCLD vs VTI
Fidelity Cloud Computing ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FCLD delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FCLD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $115M | $666.9B | |
| Dividend Yield | 0.01% | 1.07% | |
| Holdings | 63 | 3,543 | |
| YTD Return | +51.58% | +14.82% | |
| 1Y Return | +68.31% | +22.43% | |
| 3Y Return (annualized) | +32.47% | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 27.1% | 15.4% | |
| Max Drawdown | -50.9% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 5, 2021 | May 24, 2001 |
FCLD vs VTI Performance
Fidelity Cloud Computing ETF (FCLD) is a ETF from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FCLD returned +68.31% while VTI returned +22.43%. Year to date, FCLD is up 51.58% versus a gain of 14.82% for VTI.
Over three years, FCLD compounded at +32.47% per year against +21.93% for VTI. Across the full 5-year window we track, FCLD has the edge at +12.26% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FCLD has been the more volatile fund, with annualized monthly volatility of 27.1% compared with 15.4% 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 -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
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 1.07% for VTI.
Holdings Overlap
FCLD and VTI share 38 holdings out of 2800 unique holdings combined, representing a 8.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $36 per year of difference.
Which performed better, FCLD or VTI?
Over the past year FCLD returned +68.31% vs +22.43% for VTI, so FCLD leads on 1-year performance. Over the longest common window we track (5 years), FCLD annualized +12.26% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, FCLD or VTI?
FCLD has been the more volatile fund at 27.1% annualized versus 15.4% for VTI. Worst drawdown: FCLD -50.9% vs VTI -56.6%.
Should I hold both FCLD and VTI?
FCLD and VTI have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FCLD and VTI?
FCLD and VTI share 38 common holdings with a 8.2% weight overlap. Combined, they hold 2800 unique securities.
Which pays a higher dividend, FCLD or VTI?
FCLD yields 0.01% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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