FLCE vs VTI
Frontier Asset US Large Cap Equity 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 | FLCE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.86% | 0.03% | |
| AUM | $80M | $663.5B | |
| Dividend Yield | 0.31% | 1.07% | |
| Holdings | 8 | 3,543 | |
| YTD Return | +11.89% | +13.87% | |
| 1Y Return | +20.55% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 11.6% | 15.3% | |
| Max Drawdown | -17.5% | -56.6% | |
| Fund Family | Frontier Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 19, 2024 | May 24, 2001 |
FLCE vs VTI Performance
Frontier Asset US Large Cap Equity ETF (FLCE) is a ETF from Frontier Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FLCE returned +20.55% while VTI returned +23.31%. Year to date, FLCE is up 11.89% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.6% for FLCE. 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 -17.5% for FLCE 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FLCE charges 0.86% per year while VTI charges 0.03%. On a $10,000 position that is $86 vs $3 annually, a gap of $83 per year that compounds over a long holding period. On income, FLCE currently yields 0.31% against 1.07% for VTI.
Holdings Overlap
FLCE and VTI share 0 holdings out of 2790 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, FLCE or VTI?
FLCE has an expense ratio of 0.86% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $83 per year of difference.
Which performed better, FLCE or VTI?
Over the past year FLCE returned +20.55% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), FLCE annualized +15.86% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, FLCE or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.6% for FLCE. Worst drawdown: FLCE -17.5% vs VTI -56.6%.
Should I hold both FLCE and VTI?
FLCE and VTI have a monthly-return correlation of 0.99, 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 FLCE and VTI?
FLCE and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, FLCE or VTI?
FLCE yields 0.31% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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