FLCA vs VTI
Franklin FTSE Canada ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FLCA delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FLCA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.03% | |
| AUM | $863M | $666.9B | |
| Dividend Yield | 1.74% | 1.07% | |
| Holdings | 90 | 3,543 | |
| YTD Return | +15.34% | +14.82% | |
| 1Y Return | +32.98% | +22.43% | |
| 3Y Return (annualized) | +24.79% | +21.93% | |
| 5Y Return (annualized) | +13.31% | +12.34% | |
| Volatility (annualized) | 17.8% | 15.4% | |
| Max Drawdown | -41.5% | -56.6% | |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 2, 2017 | May 24, 2001 |
FLCA vs VTI Performance
Franklin FTSE Canada ETF (FLCA) is a ETF from Franklin Templeton Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FLCA returned +32.98% while VTI returned +22.43%. Year to date, FLCA is up 15.34% versus a gain of 14.82% for VTI.
Over three years, FLCA compounded at +24.79% per year against +21.93% for VTI; over five years the annualized figures are +13.31% and +12.34% respectively. Across the full 9-year window we track, FLCA has the edge at +11.01% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FLCA has been the more volatile fund, with annualized monthly volatility of 17.8% compared with 15.4% 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 -41.5% for FLCA 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 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FLCA charges 0.09% per year while VTI charges 0.03%. On a $10,000 position that is $9 vs $3 annually, a gap of $6 per year that compounds over a long holding period. On income, FLCA currently yields 1.74% against 1.07% for VTI.
Holdings Overlap
FLCA and VTI share 2 holdings out of 2871 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FLCA or VTI?
FLCA has an expense ratio of 0.09% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, FLCA or VTI?
Over the past year FLCA returned +32.98% vs +22.43% for VTI, so FLCA leads on 1-year performance. Over the longest common window we track (9 years), FLCA annualized +11.01% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, FLCA or VTI?
FLCA has been the more volatile fund at 17.8% annualized versus 15.4% for VTI. Worst drawdown: FLCA -41.5% vs VTI -56.6%.
Should I hold both FLCA and VTI?
FLCA and VTI have a monthly-return correlation of 0.87, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLCA and VTI?
FLCA and VTI share 2 common holdings with a 0.1% weight overlap. Combined, they hold 2871 unique securities.
Which pays a higher dividend, FLCA or VTI?
FLCA yields 1.74% while VTI yields 1.07%, so FLCA currently pays the higher dividend yield.
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