FLCC vs VTI
Federated Hermes MDT Large Cap Core ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FLCC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.03% | |
| AUM | $118M | $663.5B | |
| Dividend Yield | 0.47% | 1.07% | |
| Holdings | 156 | 3,543 | |
| YTD Return | +14.27% | +14.16% | |
| 1Y Return | +20.37% | +23.62% | |
| 3Y Return (annualized) | - | +21.43% | |
| 5Y Return (annualized) | - | +12.33% | |
| Volatility (annualized) | 12.8% | 15.3% | |
| Max Drawdown | -19.2% | -56.6% | |
| Fund Family | Federated Hermes | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 30, 2024 | May 24, 2001 |
FLCC vs VTI Performance
Federated Hermes MDT Large Cap Core ETF (FLCC) is a ETF from Federated Hermes and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FLCC returned +20.37% while VTI returned +23.62%. Year to date, FLCC is up 14.27% versus a gain of 14.16% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.8% for FLCC. 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 -19.2% for FLCC 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FLCC charges 0.29% per year while VTI charges 0.03%. On a $10,000 position that is $29 vs $3 annually, a gap of $26 per year that compounds over a long holding period. On income, FLCC currently yields 0.47% against 1.07% for VTI.
Holdings Overlap
FLCC and VTI share 143 holdings out of 2794 unique holdings combined, representing a 42.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FLCC or VTI?
FLCC has an expense ratio of 0.29% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, FLCC or VTI?
Over the past year FLCC returned +20.37% vs +23.62% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), FLCC annualized +20.61% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, FLCC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.8% for FLCC. Worst drawdown: FLCC -19.2% vs VTI -56.6%.
Should I hold both FLCC and VTI?
FLCC and VTI have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between FLCC and VTI?
FLCC and VTI share 143 common holdings with a 42.9% weight overlap. Combined, they hold 2794 unique securities.
Which pays a higher dividend, FLCC or VTI?
FLCC yields 0.47% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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