FFIU vs VTI
Fieldstone UVA Unconstrained Medium-Term Fixed Income ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FFIU | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.54% | 0.03% | |
| AUM | $53M | $663.5B | |
| Dividend Yield | 4.07% | 1.07% | |
| Holdings | 131 | 3,543 | |
| YTD Return | -0.61% | +14.16% | |
| 1Y Return | +1.77% | +23.62% | |
| 3Y Return (annualized) | +3.68% | +21.43% | |
| 5Y Return (annualized) | -0.81% | +12.33% | |
| Volatility (annualized) | 6.3% | 15.3% | |
| Max Drawdown | -20.4% | -56.6% | |
| Fund Family | Spinnaker ETF Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 18, 2017 | May 24, 2001 |
FFIU vs VTI Performance
Fieldstone UVA Unconstrained Medium-Term Fixed Income ETF (FFIU) is a ETF from Spinnaker ETF Series and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FFIU returned +1.77% while VTI returned +23.62%. Year to date, FFIU is down 0.61% versus a gain of 14.16% for VTI.
Over three years, FFIU compounded at +3.68% per year against +21.43% for VTI; over five years the annualized figures are -0.81% and +12.33% respectively. Across the full 9-year window we track, VTI has the edge at +8.14% annualized vs +0.30%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.3% for FFIU. 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 -20.4% for FFIU 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 0.59. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FFIU charges 0.54% per year while VTI charges 0.03%. On a $10,000 position that is $54 vs $3 annually, a gap of $51 per year that compounds over a long holding period. On income, FFIU currently yields 4.07% against 1.07% for VTI.
Holdings Overlap
FFIU and VTI share 0 holdings out of 2902 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, FFIU or VTI?
FFIU has an expense ratio of 0.54% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $51 per year of difference.
Which performed better, FFIU or VTI?
Over the past year FFIU returned +1.77% vs +23.62% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), FFIU annualized +0.30% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, FFIU or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.3% for FFIU. Worst drawdown: FFIU -20.4% vs VTI -56.6%.
Should I hold both FFIU and VTI?
FFIU and VTI have a monthly-return correlation of 0.59, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FFIU and VTI?
FFIU and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2902 unique securities.
Which pays a higher dividend, FFIU or VTI?
FFIU yields 4.07% while VTI yields 1.07%, so FFIU currently pays the higher dividend yield.
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