FIMU vs VTI
Fidelity Intermediate Municipal Income Fund ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FIMU | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $3M | $666.9B | |
| Dividend Yield | 0.11% | 1.07% | |
| Holdings | 184 | 3,543 | |
| YTD Return | -0.82% | +13.67% | |
| 1Y Return | - | +22.17% | |
| 3Y Return (annualized) | - | +21.93% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -1.9% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 16, 2026 | May 24, 2001 |
FIMU vs VTI Performance
Fidelity Intermediate Municipal Income Fund ETF (FIMU) is a ETF from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, FIMU is down 0.82% versus a gain of 13.67% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -1.9% for FIMU and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
FIMU charges 0.30% per year while VTI charges 0.03%. On a $10,000 position that is $30 vs $3 annually, a gap of $27 per year that compounds over a long holding period. On income, FIMU currently yields 0.11% against 1.07% for VTI.
Holdings Overlap
FIMU and VTI share 0 holdings out of 2971 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, FIMU or VTI?
FIMU has an expense ratio of 0.30% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $27 per year of difference.
What is the holdings overlap between FIMU and VTI?
FIMU and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2971 unique securities.
Which pays a higher dividend, FIMU or VTI?
FIMU yields 0.11% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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