FDIS vs VTI
Fidelity MSCI Consumer Discretionary Index 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 | FDIS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $1.7B | $663.5B | |
| Dividend Yield | 0.72% | 1.07% | |
| Holdings | 249 | 3,543 | |
| YTD Return | +1.86% | +14.22% | |
| 1Y Return | +6.10% | +22.19% | |
| 3Y Return (annualized) | +12.42% | +21.27% | |
| 5Y Return (annualized) | +5.42% | +12.23% | |
| Volatility (annualized) | 19.7% | 15.3% | |
| Max Drawdown | -39.2% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 21, 2013 | May 24, 2001 |
FDIS vs VTI Performance
Fidelity MSCI Consumer Discretionary Index ETF (FDIS) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FDIS returned +6.10% while VTI returned +22.19%. Year to date, FDIS is up 1.86% versus a gain of 14.22% for VTI.
Over three years, FDIS compounded at +12.42% per year against +21.27% for VTI; over five years the annualized figures are +5.42% and +12.23% respectively. Across the full 13-year window we track, FDIS has the edge at +11.93% annualized vs +8.14%. 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 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 -39.2% for FDIS 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 0.91. 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 0.72% against 1.07% for VTI.
Holdings Overlap
FDIS and VTI share 181 holdings out of 2841 unique holdings combined, representing a 8.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $5 per year of difference.
Which performed better, FDIS or VTI?
Over the past year FDIS returned +6.10% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (13 years), FDIS annualized +11.93% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, FDIS or VTI?
FDIS has been the more volatile fund at 19.7% annualized versus 15.3% for VTI. Worst drawdown: FDIS -39.2% vs VTI -56.6%.
Should I hold both FDIS and VTI?
FDIS and VTI have a monthly-return correlation of 0.91, 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 FDIS and VTI?
FDIS and VTI share 181 common holdings with a 8.3% weight overlap. Combined, they hold 2841 unique securities.
Which pays a higher dividend, FDIS or VTI?
FDIS yields 0.72% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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