FHLC vs VTI
Fidelity MSCI Health Care Index ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FHLC delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FHLC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $3.3B | $666.9B | |
| Dividend Yield | 1.29% | 1.07% | |
| Holdings | 341 | 3,543 | |
| YTD Return | +12.95% | +12.65% | |
| 1Y Return | +29.44% | +21.39% | |
| 3Y Return (annualized) | +11.52% | +21.54% | |
| 5Y Return (annualized) | +5.91% | +12.11% | |
| Volatility (annualized) | 14.5% | 15.3% | |
| Max Drawdown | -29.2% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 21, 2013 | May 24, 2001 |
FHLC vs VTI Performance
Fidelity MSCI Health Care Index ETF (FHLC) 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 FHLC returned +29.44% while VTI returned +21.39%. Year to date, FHLC is up 12.95% versus a gain of 12.65% for VTI.
Over three years, FHLC compounded at +11.52% per year against +21.54% for VTI; over five years the annualized figures are +5.91% and +12.11% respectively. Across the full 13-year window we track, FHLC has the edge at +10.47% annualized vs +8.07%. 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 14.5% for FHLC. 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 -29.2% for FHLC 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FHLC charges 0.08% per year while VTI charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, FHLC currently yields 1.29% against 1.07% for VTI.
Holdings Overlap
FHLC and VTI share 242 holdings out of 2856 unique holdings combined, representing a 8.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FHLC or VTI?
FHLC has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, FHLC or VTI?
Over the past year FHLC returned +29.44% vs +21.39% for VTI, so FHLC leads on 1-year performance. Over the longest common window we track (13 years), FHLC annualized +10.47% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, FHLC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.5% for FHLC. Worst drawdown: FHLC -29.2% vs VTI -56.6%.
Should I hold both FHLC and VTI?
FHLC and VTI have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FHLC and VTI?
FHLC and VTI share 242 common holdings with a 8.6% weight overlap. Combined, they hold 2856 unique securities.
Which pays a higher dividend, FHLC or VTI?
FHLC yields 1.29% while VTI yields 1.07%, so FHLC currently pays the higher dividend yield.
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