FDIV vs VTI
MarketDesk Focused US Dividend ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FDIV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $59M | $666.9B | |
| Dividend Yield | 2.38% | 1.07% | |
| Holdings | 113 | 3,543 | |
| YTD Return | +6.74% | +14.82% | |
| 1Y Return | +8.64% | +22.43% | |
| 3Y Return (annualized) | +7.99% | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 12.0% | 15.4% | |
| Max Drawdown | -18.6% | -56.6% | |
| Fund Family | MarketDesk Indices | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 19, 2023 | May 24, 2001 |
FDIV vs VTI Performance
MarketDesk Focused US Dividend ETF (FDIV) is a ETF from MarketDesk Indices and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FDIV returned +8.64% while VTI returned +22.43%. Year to date, FDIV is up 6.74% versus a gain of 14.82% for VTI.
Over three years, FDIV compounded at +7.99% per year against +21.93% for VTI. Across the full 3-year window we track, VTI has the edge at +8.16% annualized vs +7.99%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 12.0% for FDIV. 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 -18.6% for FDIV 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FDIV charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, FDIV currently yields 2.38% against 1.07% for VTI.
Holdings Overlap
FDIV and VTI share 100 holdings out of 2798 unique holdings combined, representing a 23.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FDIV or VTI?
FDIV has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, FDIV or VTI?
Over the past year FDIV returned +8.64% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), FDIV annualized +7.99% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, FDIV or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 12.0% for FDIV. Worst drawdown: FDIV -18.6% vs VTI -56.6%.
Should I hold both FDIV and VTI?
FDIV and VTI have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FDIV and VTI?
FDIV and VTI share 100 common holdings with a 23.2% weight overlap. Combined, they hold 2798 unique securities.
Which pays a higher dividend, FDIV or VTI?
FDIV yields 2.38% while VTI yields 1.07%, so FDIV currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.