FDIS vs VTI
Fidelity MSCI Consumer Discretionary Index ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FDIS or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.91. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 56.5%.
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 | FDIS | VTI |
|---|---|---|
| Expense Ratio | 0.08% | 0.03%Best |
| AUM | $1.7B | $666.9B |
| Dividend Yield | 0.73% | 1.03% |
| Holdings | 251 | 3,543 |
| YTD Return | -4.64% | +13.14%Best |
| 1Y Return | -5.37% | +16.63%Best |
| 3Y Return (annualized) | +12.02% | +22.30%Best |
| 5Y Return (annualized) | +3.89% | +12.01%Best |
| Volatility (annualized) | 19.7% | 14.9%Best |
| Max Drawdown | -39.2% | -35.0%Best |
| $10,000 over 5 years | $12,102 | $17,631Best |
| Top 10 Weight | 56.5% | 33.3%Best |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Oct 21, 2013 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Oct 24, 2013 to Sep 23, 2026 (12.9 years).
FDIS 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 12.9 years both funds cover.
FDIS vs VTI Performance
Fidelity MSCI Consumer Discretionary Index ETF (FDIS) 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 FDIS returned -5.37% while VTI returned +16.63%. Year to date, FDIS is down 4.64% versus a gain of 13.14% for VTI.
Over three years, FDIS compounded at +12.02% per year against +22.30% for VTI; over five years the annualized figures are +3.89% and +12.01% respectively. Across the full 13-year window we track, VTI has the edge at +12.29% annualized vs +11.25%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDIS has been the more volatile fund, with annualized monthly volatility of 19.7% compared with 14.9% 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 -39.2% for FDIS and -35.0% 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FDIS charges 0.08% per year while VTI charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, FDIS currently yields 0.73% against 1.03% for VTI.
Holdings Overlap
97.2% of FDIS's money is in holdings VTI also owns. 9.2% of VTI's money is in holdings FDIS also owns.
Most of FDIS is already inside VTI. Owning both mostly buys the same companies twice.
228 positions in common, counted across the 239 positions we hold weights for in FDIS and 3,463 in VTI, against full books of 251 and 3,543.
What only one of them owns
Our book lists 1,033 positions for VTI that do not appear in our book for FDIS (88.3% of the fund), and 8 for FDIS that do not appear in VTI (2.4%).
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 FDIS | Weight in VTI | Difference |
|---|---|---|---|
| AMZNAmazon.Com Inc | 22.39% | 3.65% | 18.74% |
| TSLATesla Inc | 15.43% | 1.22% | 14.21% |
| HDHome Depot Inc/The | 4.88% | 0.46% | 4.42% |
| MCDMcdonald'S Corp | 2.82% | 0.27% | 2.55% |
| BKNGBooking Holdings, Inc. | 2.37% | 0.21% | 2.16% |
| TJXTjx Cos Inc | 2.25% | 0.24% | 2.01% |
| SBUXStarbucks Corp | 1.85% | 0.17% | 1.68% |
| LOWLowes Cos., Inc. | 1.74% | 0.16% | 1.58% |
| DASHDoordash Inc - A | 1.37% | 0.10% | 1.27% |
| GMGeneral Motors Co | 1.25% | 0.11% | 1.14% |
97.2% of FDIS 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, FDIS or VTI?
FDIS has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option, by $5 a year on a $10,000 investment.
Which performed better, FDIS or VTI?
Over the past year FDIS returned -5.37% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (13 years), FDIS annualized +11.25% vs +12.29% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FDIS or VTI?
FDIS has been the more volatile fund at 19.7% annualized versus 14.9% for VTI. Worst drawdown: FDIS -39.2% vs VTI -35.0%.
Should I hold both FDIS and VTI?
FDIS and VTI have a monthly-return correlation of 0.91, 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.
What is the holdings overlap between FDIS and VTI?
97.2% of FDIS's money is in holdings VTI also owns. 9.2% of VTI's is in holdings FDIS also owns. They hold 228 positions in common, counted across the 239 positions we hold weights for in FDIS and 3,463 in VTI.
Which pays a higher dividend, FDIS or VTI?
FDIS yields 0.73% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than FDIS?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.91. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 56.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.