FCUS vs VTI
Pinnacle Focused Opportunities ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FCUS delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FCUS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.03% | |
| AUM | $90M | $666.9B | |
| Dividend Yield | 3.77% | 1.07% | |
| Holdings | 32 | 3,543 | |
| YTD Return | +21.28% | +14.82% | |
| 1Y Return | +50.87% | +22.43% | |
| 3Y Return (annualized) | +27.68% | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 29.6% | 15.4% | |
| Max Drawdown | -39.9% | -56.6% | |
| Fund Family | Pinnacle Dynamic Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 29, 2022 | May 24, 2001 |
FCUS vs VTI Performance
Pinnacle Focused Opportunities ETF (FCUS) is a ETF from Pinnacle Dynamic Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FCUS returned +50.87% while VTI returned +22.43%. Year to date, FCUS is up 21.28% versus a gain of 14.82% for VTI.
Over three years, FCUS compounded at +27.68% per year against +21.93% for VTI. Across the full 4-year window we track, FCUS has the edge at +25.55% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FCUS has been the more volatile fund, with annualized monthly volatility of 29.6% 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 -39.9% for FCUS 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FCUS charges 0.80% per year while VTI charges 0.03%. On a $10,000 position that is $80 vs $3 annually, a gap of $77 per year that compounds over a long holding period. On income, FCUS currently yields 3.77% against 1.07% for VTI.
Holdings Overlap
FCUS and VTI share 27 holdings out of 2791 unique holdings combined, representing a 4.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FCUS or VTI?
FCUS has an expense ratio of 0.80% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $77 per year of difference.
Which performed better, FCUS or VTI?
Over the past year FCUS returned +50.87% vs +22.43% for VTI, so FCUS leads on 1-year performance. Over the longest common window we track (4 years), FCUS annualized +25.55% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, FCUS or VTI?
FCUS has been the more volatile fund at 29.6% annualized versus 15.4% for VTI. Worst drawdown: FCUS -39.9% vs VTI -56.6%.
Should I hold both FCUS and VTI?
FCUS and VTI have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FCUS and VTI?
FCUS and VTI share 27 common holdings with a 4.8% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, FCUS or VTI?
FCUS yields 3.77% while VTI yields 1.07%, so FCUS currently pays the higher dividend yield.
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