FDIF vs VTI
Fidelity Disruptors ETF 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 | FDIF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $110M | $663.5B | |
| Dividend Yield | 0.26% | 1.07% | |
| Holdings | 10 | 3,543 | |
| YTD Return | +15.20% | +13.87% | |
| 1Y Return | +22.32% | +23.31% | |
| 3Y Return (annualized) | +19.86% | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 17.1% | 15.3% | |
| Max Drawdown | -22.6% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 13, 2023 | May 24, 2001 |
FDIF vs VTI Performance
Fidelity Disruptors ETF (FDIF) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FDIF returned +22.32% while VTI returned +23.31%. Year to date, FDIF is up 15.20% versus a gain of 13.87% for VTI.
Over three years, FDIF compounded at +19.86% per year against +21.17% for VTI. Across the full 3-year window we track, FDIF has the edge at +17.86% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDIF has been the more volatile fund, with annualized monthly volatility of 17.1% compared with 15.3% 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 -22.6% for FDIF 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FDIF 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, FDIF currently yields 0.26% against 1.07% for VTI.
Holdings Overlap
FDIF and VTI share 0 holdings out of 2789 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, FDIF or VTI?
FDIF 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, FDIF or VTI?
Over the past year FDIF returned +22.32% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), FDIF annualized +17.86% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, FDIF or VTI?
FDIF has been the more volatile fund at 17.1% annualized versus 15.3% for VTI. Worst drawdown: FDIF -22.6% vs VTI -56.6%.
Should I hold both FDIF and VTI?
FDIF and VTI have a monthly-return correlation of 0.94, 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 FDIF and VTI?
FDIF and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, FDIF or VTI?
FDIF yields 0.26% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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