FINX vs VTI
Global X FinTech 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 | FINX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.68% | 0.03% | |
| AUM | $172M | $666.9B | |
| Dividend Yield | 0.84% | 1.07% | |
| Holdings | 77 | 3,543 | |
| YTD Return | -8.90% | +12.65% | |
| 1Y Return | -17.89% | +21.39% | |
| 3Y Return (annualized) | +9.23% | +21.54% | |
| 5Y Return (annualized) | -10.02% | +12.11% | |
| Volatility (annualized) | 27.1% | 15.3% | |
| Max Drawdown | -63.5% | -56.6% | |
| Fund Family | Global X by mirae Asset | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 12, 2016 | May 24, 2001 |
FINX vs VTI Performance
Global X FinTech ETF (FINX) is a ETF from Global X by mirae Asset and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FINX returned -17.89% while VTI returned +21.39%. Year to date, FINX is down 8.90% versus a gain of 12.65% for VTI.
Over three years, FINX compounded at +9.23% per year against +21.54% for VTI; over five years the annualized figures are -10.02% and +12.11% respectively. Across the full 10-year window we track, VTI has the edge at +8.07% annualized vs +6.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FINX has been the more volatile fund, with annualized monthly volatility of 27.1% 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 -63.5% for FINX 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FINX charges 0.68% per year while VTI charges 0.03%. On a $10,000 position that is $68 vs $3 annually, a gap of $65 per year that compounds over a long holding period. On income, FINX currently yields 0.84% against 1.07% for VTI.
Holdings Overlap
FINX and VTI share 32 holdings out of 2817 unique holdings combined, representing a 1.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FINX or VTI?
FINX has an expense ratio of 0.68% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $65 per year of difference.
Which performed better, FINX or VTI?
Over the past year FINX returned -17.89% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), FINX annualized +6.84% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, FINX or VTI?
FINX has been the more volatile fund at 27.1% annualized versus 15.3% for VTI. Worst drawdown: FINX -63.5% vs VTI -56.6%.
Should I hold both FINX and VTI?
FINX and VTI have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FINX and VTI?
FINX and VTI share 32 common holdings with a 1.8% weight overlap. Combined, they hold 2817 unique securities.
Which pays a higher dividend, FINX or VTI?
FINX yields 0.84% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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