FFLC vs VTI
Fidelity Fundamental Large Cap Core ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FFLC or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. FFLC led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.91. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 41.5%.
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 | FFLC | VTI |
|---|---|---|
| Expense Ratio | 0.38% | 0.03%Best |
| AUM | $1.2B | $666.9B |
| Dividend Yield | 0.97% | 1.03% |
| Holdings | 108 | 3,543 |
| YTD Return | +11.21% | +13.60%Best |
| 1Y Return | +15.94% | +18.17%Best |
| 3Y Return (annualized) | +23.58%Best | +23.04% |
| 5Y Return (annualized) | +16.42%Best | +12.14% |
| Volatility (annualized) | 15.9% | 15.7%Best |
| Max Drawdown | -19.7%Best | -25.4% |
| $10,000 over 5 years | $21,386Best | $17,734 |
| Top 10 Weight | 41.5% | 33.3%Best |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Jun 2, 2020 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Jun 4, 2020 to Sep 25, 2026 (6.3 years).
FFLC 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 6.3 years both funds cover.
FFLC vs VTI Performance
Fidelity Fundamental Large Cap Core ETF (FFLC) 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 FFLC returned +15.94% while VTI returned +18.17%. Year to date, FFLC is up 11.21% versus a gain of 13.60% for VTI.
Over three years, FFLC compounded at +23.58% per year against +23.04% for VTI; over five years the annualized figures are +16.42% and +12.14% respectively. Across the full 6-year window we track, FFLC has the edge at +19.56% annualized vs +16.33%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FFLC has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 15.7% 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 -19.7% for FFLC and -25.4% 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FFLC charges 0.38% per year while VTI charges 0.03%. On a $10,000 position that is $38 vs $3 annually, a gap of $35 per year that compounds over a long holding period. On income, FFLC currently yields 0.97% against 1.03% for VTI.
Holdings Overlap
89.8% of FFLC's money is in holdings VTI also owns. 46.5% of VTI's money is in holdings FFLC also owns.
Most of FFLC is already inside VTI. Owning both mostly buys the same companies twice.
92 positions in common, counted across the 108 positions we hold weights for in FFLC and 3,463 in VTI, against full books of 108 and 3,543.
What only one of them owns
Our book lists 1,059 positions for VTI that do not appear in our book for FFLC (50.9% of the fund), and 4 for FFLC that do not appear in VTI (2.1%).
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 FFLC | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 8.92% | 6.40% | 2.52% |
| AAPLApple, Inc | 4.24% | 6.29% | 2.05% |
| GOOGLAlphabet Inc,class A | 6.68% | 2.90% | 3.78% |
| MSFTMicrosoft Corp | 4.75% | 4.79% | 0.04% |
| AMZNAmazon.Com Inc | 5.58% | 3.65% | 1.93% |
| AVGOBroadcom Inc | 2.22% | 2.56% | 0.34% |
| METAMeta Platforms Inc | 2.75% | 1.70% | 1.05% |
| LLYEli Lilly & Co. | 1.71% | 1.35% | 0.36% |
| XOMExxon Mobil Corp. | 2.00% | 0.89% | 1.11% |
| VVisa Inc Class A | 1.95% | 0.83% | 1.12% |
89.8% of FFLC 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, FFLC or VTI?
FFLC has an expense ratio of 0.38% while VTI charges 0.03%. VTI is the cheaper option, by $35 a year on a $10,000 investment.
Which performed better, FFLC or VTI?
Over the past year FFLC returned +15.94% vs +18.17% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), FFLC annualized +19.56% vs +16.33% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FFLC or VTI?
FFLC has been the more volatile fund at 15.9% annualized versus 15.7% for VTI. Worst drawdown: FFLC -19.7% vs VTI -25.4%.
Should I hold both FFLC and VTI?
FFLC and VTI have a monthly-return correlation of 0.91, 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 FFLC and VTI?
89.8% of FFLC's money is in holdings VTI also owns. 46.5% of VTI's is in holdings FFLC also owns. They hold 92 positions in common, counted across the 108 positions we hold weights for in FFLC and 3,463 in VTI.
Which pays a higher dividend, FFLC or VTI?
FFLC yields 0.97% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than FFLC?
VTI has a lower expense ratio. FFLC led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.91. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.