FDLS vs VTI
Inspire Fidelis Multi Factor ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FDLS or VTI?
Each has led over a different period.
VTI has a lower expense ratio. FDLS led over 1Y, VTI over 3Y and the full window. FDLS is less concentrated, with 14.2% of the fund in its ten largest positions against 33.3%.
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 | FDLS | VTI |
|---|---|---|
| Expense Ratio | 0.66% | 0.03%Best |
| AUM | $249M | $666.9B |
| Dividend Yield | 0.80% | 1.03% |
| Holdings | 102 | 3,543 |
| YTD Return | +15.82%Best | +12.25% |
| 1Y Return | +19.50%Best | +15.74% |
| 3Y Return (annualized) | +19.76% | +22.45%Best |
| 5Y Return (annualized) | - | +12.32% |
| Volatility (annualized) | 18.5% | 14.5%Best |
| Max Drawdown | -23.3% | -19.3%Best |
| $10,000 over 4.1 years | $18,183 | $19,116Best |
| Top 10 Weight | 14.2%Best | 33.3% |
| Fund Family | Inspire ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Aug 23, 2022 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 4.1 years row, are measured over the window both funds cover: Aug 24, 2022 to Sep 29, 2026 (4.1 years).
FDLS 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 4.1 years both funds cover.
FDLS vs VTI Performance
Inspire Fidelis Multi Factor ETF (FDLS) is an ETF from Inspire ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FDLS returned +19.50% while VTI returned +15.74%. Year to date, FDLS is up 15.82% versus a gain of 12.25% for VTI.
Over three years, FDLS compounded at +19.76% per year against +22.45% for VTI. Across the full 4-year window we track, VTI has the edge at +17.12% annualized vs +15.70%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDLS has been the more volatile fund, with annualized monthly volatility of 18.5% compared with 14.5% 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 -23.3% for FDLS 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FDLS charges 0.66% per year while VTI charges 0.03%. On a $10,000 position that is $66 vs $3 annually, a gap of $63 per year that compounds over a long holding period. On income, FDLS currently yields 0.80% against 1.03% for VTI.
Holdings Overlap
77.1% of FDLS's money is in holdings VTI also owns. 3.9% of VTI's money is in holdings FDLS also owns.
Most of FDLS is already inside VTI. Owning both mostly buys the same companies twice.
78 positions in common, counted across the 101 positions we hold weights for in FDLS and 3,463 in VTI, against full books of 102 and 3,543.
What only one of them owns
Our book lists 1,104 positions for VTI that do not appear in our book for FDLS (93.5% of the fund), and 8 for FDLS that do not appear in VTI (7.7%).
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 FDLS | Weight in VTI | Difference |
|---|---|---|---|
| AVGOBroadcom Inc | 0.85% | 2.56% | 1.71% |
| AVAHAveanna Healthcare Holdings Inc | 1.63% | 0.00% | 1.63% |
| VLOValero Energy | 1.50% | 0.13% | 1.37% |
| DINOHF Sinclair Corp | 1.58% | 0.02% | 1.56% |
| PARRPar Pacific Holdings Inc | 1.52% | 0.01% | 1.51% |
| SLDESlide Insurance Holdings Inc | 1.40% | 0.00% | 1.40% |
| CFCf Industries Holdings Inc. | 1.30% | 0.03% | 1.27% |
| APAApa Corp | 1.30% | 0.02% | 1.28% |
| QUADQuad/graphics Inc | 1.31% | 0.00% | 1.31% |
| JKHYJack Henry & Associates Inc | 1.28% | 0.02% | 1.26% |
77.1% of FDLS 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, FDLS or VTI?
FDLS has an expense ratio of 0.66% while VTI charges 0.03%. VTI is the cheaper option, by $63 a year on a $10,000 investment.
Which performed better, FDLS or VTI?
Over the past year FDLS returned +19.50% vs +15.74% for VTI, so FDLS leads on 1-year performance. Over the longest common window we track (4 years), FDLS annualized +15.70% vs +17.12% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FDLS or VTI?
FDLS has been the more volatile fund at 18.5% annualized versus 14.5% for VTI. Worst drawdown: FDLS -23.3% vs VTI -19.3%.
Should I hold both FDLS and VTI?
FDLS and VTI have a monthly-return correlation of 0.84, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between FDLS and VTI?
77.1% of FDLS's money is in holdings VTI also owns. 3.9% of VTI's is in holdings FDLS also owns. They hold 78 positions in common, counted across the 101 positions we hold weights for in FDLS and 3,463 in VTI.
Which pays a higher dividend, FDLS or VTI?
FDLS yields 0.80% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than FDLS?
VTI has a lower expense ratio. FDLS led over 1Y, VTI over 3Y and the full window. FDLS is less concentrated, with 14.2% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.