FISR vs VTI
State Street Fixed Income Sector Rotation 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 | FISR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $618M | $666.9B | |
| Dividend Yield | 4.28% | 1.07% | |
| Holdings | 12 | 3,543 | |
| YTD Return | -0.09% | +13.14% | |
| 1Y Return | +2.32% | +22.35% | |
| 3Y Return (annualized) | +4.09% | +21.83% | |
| 5Y Return (annualized) | -1.26% | +12.01% | |
| Volatility (annualized) | 6.0% | 15.3% | |
| Max Drawdown | -21.3% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 2, 2019 | May 24, 2001 |
FISR vs VTI Performance
State Street Fixed Income Sector Rotation ETF (FISR) is a ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FISR returned +2.32% while VTI returned +22.35%. Year to date, FISR is down 0.09% versus a gain of 13.14% for VTI.
Over three years, FISR compounded at +4.09% per year against +21.83% for VTI; over five years the annualized figures are -1.26% and +12.01% respectively. Across the full 7-year window we track, VTI has the edge at +8.09% annualized vs -0.06%. 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 6.0% for FISR. 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 -21.3% for FISR 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FISR charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, FISR currently yields 4.28% against 1.07% for VTI.
Holdings Overlap
FISR and VTI share 0 holdings out of 2796 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, FISR or VTI?
FISR has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, FISR or VTI?
Over the past year FISR returned +2.32% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), FISR annualized -0.06% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, FISR or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.0% for FISR. Worst drawdown: FISR -21.3% vs VTI -56.6%.
Should I hold both FISR and VTI?
FISR and VTI have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FISR and VTI?
FISR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2796 unique securities.
Which pays a higher dividend, FISR or VTI?
FISR yields 4.28% while VTI yields 1.07%, so FISR currently pays the higher dividend yield.
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