FDRR vs VTI
Fidelity Dividend ETF for Rising Rates vs Vanguard Morningstar Total Stock Market ETF
Which is better, FDRR or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. FDRR led over 1Y, 3Y and 5Y, VTI over the full window. The two have moved almost in lockstep, correlation 0.95.
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 | FDRR | VTI |
|---|---|---|
| Expense Ratio | 0.15% | 0.03%Best |
| AUM | $737M | $666.9B |
| Dividend Yield | 2.08% | 1.07% |
| Holdings | 116 | 3,543 |
| YTD Return | +15.01%Best | +12.95% |
| 1Y Return | +24.55%Best | +19.17% |
| 3Y Return (annualized) | +21.88%Best | +20.86% |
| 5Y Return (annualized) | +13.08%Best | +11.72% |
| Volatility (annualized) | 15.2%Best | 15.8% |
| Max Drawdown | -37.6% | -35.0%Best |
| $10,000 over 5 years | $18,490Best | $17,404 |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Sep 12, 2016 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 15, 2016 to Sep 8, 2026 (10 years).
FDRR 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 10 years both funds cover.
FDRR vs VTI Performance
Fidelity Dividend ETF for Rising Rates (FDRR) is an ETF from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FDRR returned +24.55% while VTI returned +19.17%. Year to date, FDRR is up 15.01% versus a gain of 12.95% for VTI.
Over three years, FDRR compounded at +21.88% per year against +20.86% for VTI; over five years the annualized figures are +13.08% and +11.72% respectively. Across the full 10-year window we track, VTI has the edge at +14.02% annualized vs +12.32%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.8% compared with 15.2% for FDRR. 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 -37.6% for FDRR and -35.0% 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FDRR charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, FDRR currently yields 2.08% against 1.07% for VTI.
Holdings Overlap
At least 90.0% of FDRR's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of FDRR is already inside VTI. Owning both mostly buys the same companies twice.
96 positions in common, counted across the 111 positions we hold weights for in FDRR and 2,788 in VTI, against full books of 116 and 3,543.
Top Shared Holdings
| Stock | Weight in FDRR | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 8.34% | 6.32% | 2.02% |
| AAPLApple Inc Ord | 7.27% | 5.84% | 1.43% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 6.11% | 3.81% | 2.30% |
| GOOGL Alphabet Inc. Class A | 4.70% | 2.88% | 1.82% |
| AVGOBroadcom Inc | 3.89% | 2.46% | 1.43% |
| METAMeta Platform Inc | 1.87% | 1.70% | 0.17% |
| DELLDell Technologies Inc. | 3.31% | 0.17% | 3.14% |
| LLYEli Lilly & Co. | 1.96% | 1.40% | 0.56% |
| JPMJpmorgan Chase & Co. | 2.05% | 1.11% | 0.94% |
| CSCOCisco Systems Inc | 1.97% | 0.57% | 1.40% |
90.0% of FDRR 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, FDRR or VTI?
FDRR has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option, by $12 a year on a $10,000 investment.
Which performed better, FDRR or VTI?
Over the past year FDRR returned +24.55% vs +19.17% for VTI, so FDRR leads on 1-year performance. Over the longest common window we track (10 years), FDRR annualized +12.32% vs +14.02% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FDRR or VTI?
VTI has been the more volatile fund at 15.8% annualized versus 15.2% for FDRR. Worst drawdown: FDRR -37.6% vs VTI -35.0%.
Should I hold both FDRR and VTI?
FDRR and VTI have a monthly-return correlation of 0.95, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between FDRR and VTI?
At least 90.0% of FDRR's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 96 positions in common, counted across the 111 positions we hold weights for in FDRR and 2,788 in VTI.
Which pays a higher dividend, FDRR or VTI?
FDRR yields 2.08% while VTI yields 1.07%, so FDRR currently pays the higher dividend yield.
Is VTI better than FDRR?
VTI has a lower expense ratio. FDRR led over 1Y, 3Y and 5Y, VTI over the full window. The two have moved almost in lockstep, correlation 0.95. Which one suits a particular account depends on what it is for. This is information, not a recommendation.