FDFF vs VTI
Fidelity Disruptive Finance ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FDFF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $44M | $666.9B | |
| Dividend Yield | 0.98% | 1.07% | |
| Holdings | 52 | 3,543 | |
| YTD Return | +5.37% | +14.82% | |
| 1Y Return | +0.14% | +22.43% | |
| 3Y Return (annualized) | +13.99% | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 19.5% | 15.4% | |
| Max Drawdown | -23.1% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 13, 2023 | May 24, 2001 |
FDFF vs VTI Performance
Fidelity Disruptive Finance ETF (FDFF) 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 FDFF returned +0.14% while VTI returned +22.43%. Year to date, FDFF is up 5.37% versus a gain of 14.82% for VTI.
Over three years, FDFF compounded at +13.99% per year against +21.93% for VTI. Across the full 3-year window we track, FDFF has the edge at +14.28% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDFF has been the more volatile fund, with annualized monthly volatility of 19.5% 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 -23.1% for FDFF 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
FDFF charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, FDFF currently yields 0.98% against 1.07% for VTI.
Holdings Overlap
FDFF and VTI share 30 holdings out of 2804 unique holdings combined, representing a 2.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FDFF or VTI?
FDFF has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, FDFF or VTI?
Over the past year FDFF returned +0.14% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), FDFF annualized +14.28% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, FDFF or VTI?
FDFF has been the more volatile fund at 19.5% annualized versus 15.4% for VTI. Worst drawdown: FDFF -23.1% vs VTI -56.6%.
Should I hold both FDFF and VTI?
FDFF 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 FDFF and VTI?
FDFF and VTI share 30 common holdings with a 2.4% weight overlap. Combined, they hold 2804 unique securities.
Which pays a higher dividend, FDFF or VTI?
FDFF yields 0.98% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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