FIDI vs VTI
Fidelity International High Dividend ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FIDI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FIDI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.03% | |
| AUM | $362M | $666.9B | |
| Dividend Yield | 3.90% | 1.07% | |
| Holdings | 119 | 3,543 | |
| YTD Return | +15.20% | +13.67% | |
| 1Y Return | +25.64% | +22.17% | |
| 3Y Return (annualized) | +21.93% | +21.93% | |
| 5Y Return (annualized) | +12.88% | +12.51% | |
| Volatility (annualized) | 17.4% | 15.3% | |
| Max Drawdown | -50.6% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 16, 2018 | May 24, 2001 |
FIDI vs VTI Performance
Fidelity International High Dividend ETF (FIDI) 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 FIDI returned +25.64% while VTI returned +22.17%. Year to date, FIDI is up 15.20% versus a gain of 13.67% for VTI.
Over three years, FIDI compounded at +21.93% per year against +21.93% for VTI; over five years the annualized figures are +12.88% and +12.51% respectively. Across the full 9-year window we track, VTI has the edge at +8.11% annualized vs +4.93%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FIDI has been the more volatile fund, with annualized monthly volatility of 17.4% compared with 15.3% 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 -50.6% for FIDI 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FIDI charges 0.18% per year while VTI charges 0.03%. On a $10,000 position that is $18 vs $3 annually, a gap of $15 per year that compounds over a long holding period. On income, FIDI currently yields 3.90% against 1.07% for VTI.
Holdings Overlap
FIDI and VTI share 0 holdings out of 2890 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, FIDI or VTI?
FIDI has an expense ratio of 0.18% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $15 per year of difference.
Which performed better, FIDI or VTI?
Over the past year FIDI returned +25.64% vs +22.17% for VTI, so FIDI leads on 1-year performance. Over the longest common window we track (9 years), FIDI annualized +4.93% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, FIDI or VTI?
FIDI has been the more volatile fund at 17.4% annualized versus 15.3% for VTI. Worst drawdown: FIDI -50.6% vs VTI -56.6%.
Should I hold both FIDI and VTI?
FIDI and VTI have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FIDI and VTI?
FIDI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2890 unique securities.
Which pays a higher dividend, FIDI or VTI?
FIDI yields 3.90% while VTI yields 1.07%, so FIDI currently pays the higher dividend yield.
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