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, 3Y and 5Y, VTI over the full window.
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 | $115M | $666.9B |
| Dividend Yield | 0.01% | 1.07% |
| Holdings | 63 | 3,543 |
| YTD Return | +52.33%Best | +13.59% |
| 1Y Return | +59.41%Best | +20.00% |
| 3Y Return (annualized) | +30.57%Best | +20.95% |
| 5Y Return (annualized) | +12.23%Best | +11.81% |
| Volatility (annualized) | 27.0% | 15.8%Best |
| Max Drawdown | -50.9% | -25.4%Best |
| $10,000 over 5 years | $17,805Best | $17,474 |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Blend |
| Inception | Oct 5, 2021 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 7, 2021 to Sep 4, 2026 (4.9 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 4.9 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 +59.41% while VTI returned +20.00%. Year to date, FCLD is up 52.33% versus a gain of 13.59% for VTI.
Over three years, FCLD compounded at +30.57% per year against +20.95% for VTI; over five years the annualized figures are +12.23% and +11.81% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FCLD has been the more volatile fund, with annualized monthly volatility of 27.0% compared with 15.8% 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 1.07% for VTI.
Holdings Overlap
At least 87.5% of FCLD's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of FCLD is already inside VTI. Owning both mostly buys the same companies twice.
39 positions in common, counted across the 52 positions we hold weights for in FCLD and 2,787 in VTI, against full books of 63 and 3,543.
Top Shared Holdings
| Stock | Weight in FCLD | Weight in VTI | Difference |
|---|---|---|---|
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 5.05% | 3.81% | 1.24% |
| AMZNAmazon.Com Inc | 2.21% | 3.17% | 0.96% |
| CRMSalesforce Inc Crm Us Equity | 4.54% | 0.17% | 4.37% |
| WDCWestern Digital Corp Company Guar 11/28 3 | 4.41% | 0.30% | 4.11% |
| STXSeagate Technology Holdings Plc | 4.30% | 0.30% | 4.00% |
| SNOWSnowflake Inc (United States) | 4.33% | 0.12% | 4.21% |
| NOWServicenow, Inc | 3.95% | 0.14% | 3.81% |
| DDOGDatadog Inc | 3.90% | 0.12% | 3.78% |
| EQIXEquinix Inc. Real Estate Investment Trust | 3.73% | 0.14% | 3.59% |
| SNDKSandisk Corp/De | 3.21% | 0.46% | 2.75% |
87.5% 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 +59.41% vs +20.00% 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 27.0% annualized versus 15.8% 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?
At least 87.5% of FCLD's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 39 positions in common, counted across the 52 positions we hold weights for in FCLD and 2,787 in VTI.
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.
Is VTI better than FCLD?
VTI has a lower expense ratio. FCLD led over 1Y, 3Y and 5Y, VTI over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.