FDEC vs VTI
FT Vest US Equity Buffer ETF - December vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FDEC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.03% | |
| AUM | $1.3B | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +8.71% | +14.20% | |
| 1Y Return | +17.23% | +24.16% | |
| 3Y Return (annualized) | +15.23% | +21.12% | |
| 5Y Return (annualized) | +10.67% | +12.37% | |
| Volatility (annualized) | 10.2% | 15.3% | |
| Max Drawdown | -15.7% | -56.6% | |
| Fund Family | First Trust Portfolios (US) | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Dec 18, 2020 | May 24, 2001 |
FDEC vs VTI Performance
FT Vest US Equity Buffer ETF - December (FDEC) is a ETF from First Trust Portfolios (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FDEC returned +17.23% while VTI returned +24.16%. Year to date, FDEC is up 8.71% versus a gain of 14.20% for VTI.
Over three years, FDEC compounded at +15.23% per year against +21.12% for VTI; over five years the annualized figures are +10.67% and +12.37% respectively. Across the full 6-year window we track, FDEC has the edge at +11.44% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 10.2% for FDEC. 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 -15.7% for FDEC 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FDEC charges 0.85% per year while VTI charges 0.03%. On a $10,000 position that is $85 vs $3 annually, a gap of $82 per year that compounds over a long holding period. On income, FDEC currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
FDEC and VTI share 0 holdings out of 2784 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FDEC or VTI?
FDEC has an expense ratio of 0.85% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, FDEC or VTI?
Over the past year FDEC returned +17.23% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), FDEC annualized +11.44% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, FDEC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.2% for FDEC. Worst drawdown: FDEC -15.7% vs VTI -56.6%.
Should I hold both FDEC and VTI?
FDEC and VTI have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between FDEC and VTI?
FDEC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, FDEC or VTI?
FDEC yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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