FDLS vs VTI
Inspire Fidelis Multi Factor ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FDLS delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FDLS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $244M | $666.9B | |
| Dividend Yield | 0.80% | 1.07% | |
| Holdings | 101 | 3,543 | |
| YTD Return | +21.24% | +13.38% | |
| 1Y Return | +32.28% | +21.12% | |
| 3Y Return (annualized) | +20.33% | +21.85% | |
| 5Y Return (annualized) | - | +12.44% | |
| Volatility (annualized) | 18.6% | 15.3% | |
| Max Drawdown | -23.3% | -56.6% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 23, 2022 | May 24, 2001 |
FDLS vs VTI Performance
Inspire Fidelis Multi Factor ETF (FDLS) is a ETF from Inspire ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FDLS returned +32.28% while VTI returned +21.12%. Year to date, FDLS is up 21.24% versus a gain of 13.38% for VTI.
Over three years, FDLS compounded at +20.33% per year against +21.85% for VTI. Across the full 4-year window we track, FDLS has the edge at +17.53% annualized vs +8.10%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDLS has been the more volatile fund, with annualized monthly volatility of 18.6% 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 -23.3% for FDLS 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FDLS charges 0.69% per year while VTI charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, FDLS currently yields 0.80% against 1.07% for VTI.
Holdings Overlap
FDLS and VTI share 56 holdings out of 2832 unique holdings combined, representing a 2.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FDLS or VTI?
FDLS has an expense ratio of 0.69% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, FDLS or VTI?
Over the past year FDLS returned +32.28% vs +21.12% for VTI, so FDLS leads on 1-year performance. Over the longest common window we track (4 years), FDLS annualized +17.53% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, FDLS or VTI?
FDLS has been the more volatile fund at 18.6% annualized versus 15.3% for VTI. Worst drawdown: FDLS -23.3% vs VTI -56.6%.
Should I hold both FDLS and VTI?
FDLS and VTI have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FDLS and VTI?
FDLS and VTI share 56 common holdings with a 2.2% weight overlap. Combined, they hold 2832 unique securities.
Which pays a higher dividend, FDLS or VTI?
FDLS yields 0.80% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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