FLDB vs VTI
Fidelity Low Duration Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FLDB or VTI?
Short Term High Quality against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
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 | FLDB | VTI |
|---|---|---|
| Expense Ratio | 0.20% | 0.03%Best |
| AUM | $418M | $690.1B |
| Dividend Yield | 4.69% | 1.03% |
| Holdings | 784 | 3,524 |
| YTD Return | +2.29% | +13.35%Best |
| 1Y Return | +3.38% | +15.92%Best |
| 3Y Return (annualized) | - | +23.41% |
| 5Y Return (annualized) | - | +12.83% |
| Volatility (annualized) | 0.5%Best | 12.1% |
| Max Drawdown | -0.5%Best | -19.3% |
| $10,000 over 2.6 years | $11,201 | $15,568Best |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Short Term High Quality | Large Cap Blend |
| Inception | Feb 22, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.6 years row, are measured over the window both funds cover: Feb 26, 2024 to Oct 2, 2026 (2.6 years).
FLDB 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 2.6 years both funds cover.
FLDB vs VTI Performance
Fidelity Low Duration Bond ETF (FLDB) is an ETF from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FLDB returned +3.38% while VTI returned +15.92%. Year to date, FLDB is up 2.29% versus a gain of 13.35% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.1% compared with 0.5% for FLDB. 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 -0.5% for FLDB 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 0.28. They move largely independently of each other.
Fees and Cost Over Time
FLDB charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, FLDB currently yields 4.69% against 1.03% for VTI.
Holdings Overlap
At least 4.4% of VTI's money is in holdings FLDB also owns.
Stated as a floor: for FLDB, our book for it covers 64.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
VTI and FLDB share little of their money.
12 positions in common, counted across the 251 positions we hold weights for in FLDB and 3,463 in VTI, against full books of 784 and 3,524.
Top Shared Holdings
| Stock | Weight in FLDB | Weight in VTI | Difference |
|---|---|---|---|
| LLYEli Lilly & Co. | 0.29% | 1.35% | 1.06% |
| ABBVAbbvie Inc. | 0.23% | 0.61% | 0.38% |
| GSGoldman Sachs Group Inc/The | 0.38% | 0.40% | 0.02% |
| MRKMerck & Company Inc | 0.27% | 0.45% | 0.18% |
| CCitigroup Inc. | 0.31% | 0.30% | 0.01% |
| PMPhilip Morris International Inc. | 0.19% | 0.41% | 0.22% |
| PNCPnc Financial Services Group Inc. | 0.34% | 0.14% | 0.20% |
| APHAmphenol Corp. Class A | 0.14% | 0.27% | 0.13% |
| KDPKeurig Dr Pepper Inc (kdp Us) | 0.30% | 0.06% | 0.24% |
| SOSouthern Co. | 0.19% | 0.15% | 0.04% |
You are not choosing between two funds in isolation.
Whichever of FLDB and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FLDB or VTI?
FLDB has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option, by $17 a year on a $10,000 investment.
Which performed better, FLDB or VTI?
Over the past year FLDB returned +3.38% vs +15.92% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FLDB or VTI?
VTI has been the more volatile fund at 12.1% annualized versus 0.5% for FLDB. Worst drawdown: FLDB -0.5% vs VTI -19.3%.
Should I hold both FLDB and VTI?
FLDB and VTI have a monthly-return correlation of 0.28, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between FLDB and VTI?
At least 4.4% of VTI's money is in holdings FLDB also owns. Our book for FLDB is partial, so the real figure is this or higher. They hold 12 positions in common, counted across the 251 positions we hold weights for in FLDB and 3,463 in VTI.
Which pays a higher dividend, FLDB or VTI?
FLDB yields 4.69% while VTI yields 1.03%, so FLDB currently pays the higher dividend yield.
Is VTI better than FLDB?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.