FDFF vs VTI
Fidelity Disruptive Finance ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FDFF or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 46.4%.
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 | FDFF | VTI |
|---|---|---|
| Expense Ratio | 0.50% | 0.03%Best |
| AUM | $44M | $666.9B |
| Dividend Yield | 0.92% | 1.03% |
| Holdings | 52 | 3,543 |
| YTD Return | -2.87% | +12.43%Best |
| 1Y Return | -5.25% | +15.92%Best |
| 3Y Return (annualized) | +12.35% | +22.42%Best |
| 5Y Return (annualized) | - | +12.37% |
| Volatility (annualized) | 20.1% | 13.1%Best |
| Max Drawdown | -23.1% | -19.3%Best |
| $10,000 over 3.3 years | $14,086 | $18,191Best |
| Top 10 Weight | 46.4% | 33.3%Best |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 13, 2023 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 3.3 years row, are measured over the window both funds cover: Jun 12, 2023 to Sep 28, 2026 (3.3 years).
FDFF 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 3.3 years both funds cover.
FDFF vs VTI Performance
Fidelity Disruptive Finance ETF (FDFF) 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 FDFF returned -5.25% while VTI returned +15.92%. Year to date, FDFF is down 2.87% versus a gain of 12.43% for VTI.
Over three years, FDFF compounded at +12.35% per year against +22.42% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDFF has been the more volatile fund, with annualized monthly volatility of 20.1% compared with 13.1% 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 -19.3% 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 0.75. 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 0.92% against 1.03% for VTI.
Holdings Overlap
73.6% of FDFF's money is in holdings VTI also owns. 2.7% of VTI's money is in holdings FDFF also owns.
Most of FDFF is already inside VTI. Owning both mostly buys the same companies twice.
35 positions in common, counted across the 46 positions we hold weights for in FDFF and 3,463 in VTI, against full books of 52 and 3,543.
What only one of them owns
Our book lists 1,123 positions for VTI that do not appear in our book for FDFF (94.8% of the fund), and 3 for FDFF that do not appear in VTI (2.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in FDFF | Weight in VTI | Difference |
|---|---|---|---|
| BLKBlackrock Funding Inc/De | 5.84% | 0.21% | 5.63% |
| COFCapital One Financial Corp. | 5.44% | 0.18% | 5.26% |
| VVisa Inc Class A | 4.43% | 0.83% | 3.60% |
| MAMastercard Inc | 4.39% | 0.63% | 3.76% |
| CHYMChime Financial Inc Class A | 4.38% | 0.01% | 4.37% |
| TOSTToast Inc | 4.23% | 0.02% | 4.21% |
| APOAthene (Ath) / Apollo Global Management (Apo) | 4.10% | 0.07% | 4.03% |
| SQBlock Inc | 4.03% | 0.06% | 3.97% |
| ICEInternational Exchange, Inc. | 2.84% | 0.12% | 2.72% |
| EFXEquifax Inc. | 2.73% | 0.03% | 2.70% |
73.6% of FDFF 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, FDFF or VTI?
FDFF has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option, by $47 a year on a $10,000 investment.
Which performed better, FDFF or VTI?
Over the past year FDFF returned -5.25% vs +15.92% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FDFF or VTI?
FDFF has been the more volatile fund at 20.1% annualized versus 13.1% for VTI. Worst drawdown: FDFF -23.1% vs VTI -19.3%.
Should I hold both FDFF and VTI?
FDFF and VTI have a monthly-return correlation of 0.75, 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 FDFF and VTI?
73.6% of FDFF's money is in holdings VTI also owns. 2.7% of VTI's is in holdings FDFF also owns. They hold 35 positions in common, counted across the 46 positions we hold weights for in FDFF and 3,463 in VTI.
Which pays a higher dividend, FDFF or VTI?
FDFF yields 0.92% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than FDFF?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 46.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.