FITZ vs VTI
Fitz-Gerald Must Have Portfolio ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FITZ or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 49.3%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | FITZ | VTI |
|---|---|---|
| Expense Ratio | 0.75% | 0.03%Best |
| AUM | $94M | $690.1B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 62 | 3,524 |
| YTD Return | +4.11% | +14.35%Best |
| 1Y Return | - | +17.97% |
| 3Y Return (annualized) | - | +22.47% |
| 5Y Return (annualized) | - | +12.62% |
| Top 10 Weight | 49.3% | 33.3%Best |
| Fund Family | XFunds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | May 27, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
FITZ vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
FITZ vs VTI Performance
Fitz-Gerald Must Have Portfolio ETF (FITZ) is an ETF from XFunds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, FITZ is up 4.11% versus a gain of 14.35% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
FITZ charges 0.75% per year while VTI charges 0.03%. On a $10,000 position that is $75 vs $3 annually, a gap of $72 per year that compounds over a long holding period. On income, FITZ currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
96.8% of FITZ's money is in holdings VTI also owns. 38.1% of VTI's money is in holdings FITZ also owns.
Most of FITZ is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 46 days apart, FITZ as of Sep 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
28 positions in common, counted across the 30 positions we hold weights for in FITZ and 3,463 in VTI, against full books of 62 and 3,524.
What only one of them owns
Our book lists 1,122 positions for VTI that do not appear in our book for FITZ (59.3% of the fund), and 2 for FITZ that do not appear in VTI (3.1%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in FITZ | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 5.50% | 6.40% | 0.90% |
| AAPLApple, Inc | 5.37% | 6.29% | 0.92% |
| MSFTMicrosoft Corp | 4.15% | 4.79% | 0.64% |
| JPMJpmorgan Chase | 5.19% | 1.31% | 3.88% |
| PLTRPalantir Technologies Inc | 6.06% | 0.37% | 5.69% |
| TSLATesla Inc | 4.92% | 1.22% | 3.70% |
| AVGOBroadcom Inc | 3.46% | 2.56% | 0.90% |
| AMDAdvanced Micro Devices Inc | 4.52% | 1.08% | 3.44% |
| AMZNAmazon.Com Inc | 1.94% | 3.65% | 1.71% |
| LLYEli Lilly & Co. | 4.00% | 1.35% | 2.65% |
96.8% of FITZ is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FITZ or VTI?
FITZ has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option, by $72 a year on a $10,000 investment.
What is the holdings overlap between FITZ and VTI?
96.8% of FITZ's money is in holdings VTI also owns. 38.1% of VTI's is in holdings FITZ also owns. They hold 28 positions in common, counted across the 30 positions we hold weights for in FITZ and 3,463 in VTI.
Which pays a higher dividend, FITZ or VTI?
FITZ yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than FITZ?
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 49.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.