FLCC vs VTI
Federated Hermes MDT Large Cap Core ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FLCC or VTI?
Nearly the same fund. VTI costs less.
VTI has a lower expense ratio. FLCC led over the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.95. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 38.6%.
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 | FLCC | VTI |
|---|---|---|
| Expense Ratio | 0.29% | 0.03%Best |
| AUM | $132M | $666.9B |
| Dividend Yield | 0.46% | 1.03% |
| Holdings | 152 | 3,543 |
| YTD Return | +12.20% | +12.30%Best |
| 1Y Return | +13.69% | +16.08%Best |
| 3Y Return (annualized) | - | +21.01% |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 12.7% | 12.5%Best |
| Max Drawdown | -19.2%Best | -19.3% |
| $10,000 over 2.1 years | $14,275Best | $14,041 |
| Top 10 Weight | 38.6% | 33.3%Best |
| Fund Family | Federated Hermes | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jul 30, 2024 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 2.1 years row, are measured over the window both funds cover: Jul 31, 2024 to Sep 18, 2026 (2.1 years).
FLCC 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 covers the 2.1 years both funds cover.
FLCC vs VTI Performance
Federated Hermes MDT Large Cap Core ETF (FLCC) is an ETF from Federated Hermes and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FLCC returned +13.69% while VTI returned +16.08%. Year to date, FLCC is up 12.20% versus a gain of 12.30% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FLCC has been the more volatile fund, with annualized monthly volatility of 12.7% compared with 12.5% 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 -19.2% for FLCC and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 0.46% against 1.03% for VTI.
Holdings Overlap
97.7% of FLCC's money is in holdings VTI also owns. 54.1% of VTI's money is in holdings FLCC also owns.
Most of FLCC is already inside VTI. Owning both mostly buys the same companies twice.
148 positions in common, counted across the 151 positions we hold weights for in FLCC and 3,463 in VTI, against full books of 152 and 3,543.
What only one of them owns
Our book lists 1,010 positions for VTI that do not appear in our book for FLCC (43.4% of the fund), and 2 for FLCC that do not appear in VTI (2.2%).
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 FLCC | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 7.79% | 6.40% | 1.39% |
| AAPLApple, Inc | 6.65% | 6.29% | 0.36% |
| MSFTMicrosoft Corp | 4.55% | 4.79% | 0.24% |
| GOOGLAlphabet Inc,class A | 6.24% | 2.90% | 3.34% |
| AMZNAmazon.Com Inc | 3.17% | 3.65% | 0.48% |
| AVGOBroadcom Inc | 2.03% | 2.56% | 0.53% |
| MUMicron Technology, Inc. | 1.66% | 1.29% | 0.37% |
| ABBVAbbvie Inc. | 2.13% | 0.61% | 1.52% |
| METAMeta Platforms Inc | 1.02% | 1.70% | 0.68% |
| COSTCostco Wholesale Corp. | 1.96% | 0.59% | 1.37% |
97.7% of FLCC 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, FLCC or VTI?
FLCC has an expense ratio of 0.29% while VTI charges 0.03%. VTI is the cheaper option, by $26 a year on a $10,000 investment.
Which performed better, FLCC or VTI?
Over the past year FLCC returned +13.69% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), FLCC annualized +18.47% vs +17.54% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FLCC or VTI?
FLCC has been the more volatile fund at 12.7% annualized versus 12.5% for VTI. Worst drawdown: FLCC -19.2% vs VTI -19.3%.
Should I hold both FLCC and VTI?
FLCC and VTI have a monthly-return correlation of 0.95, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between FLCC and VTI?
97.7% of FLCC's money is in holdings VTI also owns. 54.1% of VTI's is in holdings FLCC also owns. They hold 148 positions in common, counted across the 151 positions we hold weights for in FLCC and 3,463 in VTI.
Which pays a higher dividend, FLCC or VTI?
FLCC yields 0.46% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than FLCC?
VTI has a lower expense ratio. FLCC led over the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.95. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 38.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.