FFLV vs VTI
Fidelity Fundamental Large Cap Value ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FFLV delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FFLV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.38% | 0.03% | |
| AUM | $16M | $666.9B | |
| Dividend Yield | 1.36% | 1.07% | |
| Holdings | 109 | 3,543 | |
| YTD Return | +17.89% | +13.14% | |
| 1Y Return | +29.13% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 12.3% | 15.3% | |
| Max Drawdown | -16.7% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 9, 2024 | May 24, 2001 |
FFLV vs VTI Performance
Fidelity Fundamental Large Cap Value ETF (FFLV) is a ETF from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FFLV returned +29.13% while VTI returned +22.35%. Year to date, FFLV is up 17.89% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.3% for FFLV. 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 -16.7% for FFLV 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FFLV 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, FFLV currently yields 1.36% against 1.07% for VTI.
Holdings Overlap
FFLV and VTI share 96 holdings out of 2803 unique holdings combined, representing a 25.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FFLV or VTI?
FFLV has an expense ratio of 0.38% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $35 per year of difference.
Which performed better, FFLV or VTI?
Over the past year FFLV returned +29.13% vs +22.35% for VTI, so FFLV leads on 1-year performance. Over the longest common window we track (3 years), FFLV annualized +17.29% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, FFLV or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.3% for FFLV. Worst drawdown: FFLV -16.7% vs VTI -56.6%.
Should I hold both FFLV and VTI?
FFLV and VTI have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FFLV and VTI?
FFLV and VTI share 96 common holdings with a 25.7% weight overlap. Combined, they hold 2803 unique securities.
Which pays a higher dividend, FFLV or VTI?
FFLV yields 1.36% while VTI yields 1.07%, so FFLV currently pays the higher dividend yield.
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