FDIF vs VTI
Fidelity Disruptors ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FDIF or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.94.
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 | FDIF | VTI |
|---|---|---|
| Expense Ratio | 0.50% | 0.03%Best |
| AUM | $102M | $666.9B |
| Dividend Yield | 0.25% | 1.03% |
| Holdings | 9 | 3,543 |
| YTD Return | +14.46%Best | +12.30% |
| 1Y Return | +14.99% | +16.08%Best |
| 3Y Return (annualized) | +20.88% | +21.01%Best |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 17.0% | 13.1%Best |
| Max Drawdown | -22.6% | -19.3%Best |
| $10,000 over 3.2 years | $16,527 | $17,817Best |
| Top 10 Weight | - | 33.3% |
| 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 3.2 years row, are measured over the window both funds cover: Jun 20, 2023 to Sep 18, 2026 (3.2 years).
FDIF 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 3.2 years both funds cover.
FDIF vs VTI Performance
Fidelity Disruptors ETF (FDIF) 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 FDIF returned +14.99% while VTI returned +16.08%. Year to date, FDIF is up 14.46% versus a gain of 12.30% for VTI.
Over three years, FDIF compounded at +20.88% per year against +21.01% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDIF has been the more volatile fund, with annualized monthly volatility of 17.0% 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 -22.6% for FDIF 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 0.94. 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 0.25% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 5 holdings in FDIF and 3,463 in VTI, totalling 99.9% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 5 positions we hold weights for in FDIF and 3,463 in VTI, against full books of 9 and 3,543.
What only one of them owns
Our book lists 1,150 positions for VTI that do not appear in our book for FDIF (97.5% of the fund), and 5 for FDIF that do not appear in VTI (99.9%).
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.
You are not choosing between two funds in isolation.
Whichever of FDIF and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $47 a year on a $10,000 investment.
Which performed better, FDIF or VTI?
Over the past year FDIF returned +14.99% vs +16.08% 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, FDIF or VTI?
FDIF has been the more volatile fund at 17.0% annualized versus 13.1% for VTI. Worst drawdown: FDIF -22.6% vs VTI -19.3%.
Should I hold both FDIF and VTI?
FDIF and VTI have a monthly-return correlation of 0.94, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, FDIF or VTI?
FDIF yields 0.25% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than FDIF?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.94. Which one suits a particular account depends on what it is for. This is information, not a recommendation.