FDLXX vs VTI
Fidelity Treasury Only Money Market Fund vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FDLXX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.42% | 0.03% | |
| AUM | $13.1B | $666.9B | |
| Dividend Yield | 3.16% | 1.07% | |
| Holdings | 57 | 3,543 | |
| YTD Return | +0.00% | +13.12% | |
| 1Y Return | - | +20.82% | |
| 3Y Return (annualized) | - | +21.43% | |
| 5Y Return (annualized) | - | +11.84% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | 0.0% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Money Market | Equity | |
| Inception | Jan 5, 1988 | May 24, 2001 |
FDLXX vs VTI Performance
Fidelity Treasury Only Money Market Fund (FDLXX) is a mutual fund from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, FDLXX is up 0.00% versus a gain of 13.12% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was 0.0% for FDLXX and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
FDLXX charges 0.42% per year while VTI charges 0.03%. On a $10,000 position that is $42 vs $3 annually, a gap of $39 per year that compounds over a long holding period. On income, FDLXX currently yields 3.16% against 1.07% for VTI.
Holdings Overlap
FDLXX and VTI share 0 holdings out of 2801 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FDLXX or VTI?
FDLXX has an expense ratio of 0.42% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $39 per year of difference.
What is the holdings overlap between FDLXX and VTI?
FDLXX and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2801 unique securities.
Which pays a higher dividend, FDLXX or VTI?
FDLXX yields 3.16% while VTI yields 1.07%, so FDLXX currently pays the higher dividend yield.
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