FLDR vs VTI
Fidelity Low Duration Bond Factor 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 3,543 holdings.
Side-by-Side Comparison
| Metric | FLDR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $1.9B | $663.5B | |
| Dividend Yield | 4.69% | 1.07% | |
| Holdings | 361 | 3,543 | |
| YTD Return | -0.31% | +14.96% | |
| 1Y Return | +1.21% | +22.39% | |
| 3Y Return (annualized) | +4.34% | +21.51% | |
| 5Y Return (annualized) | +3.19% | +12.36% | |
| Volatility (annualized) | 2.1% | 15.4% | |
| Max Drawdown | -12.2% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 12, 2018 | May 24, 2001 |
FLDR vs VTI Performance
Fidelity Low Duration Bond Factor ETF (FLDR) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FLDR returned +1.21% while VTI returned +22.39%. Year to date, FLDR is down 0.31% versus a gain of 14.96% for VTI.
Over three years, FLDR compounded at +4.34% per year against +21.51% for VTI; over five years the annualized figures are +3.19% and +12.36% respectively. Across the full 8-year window we track, VTI has the edge at +8.16% annualized vs +2.87%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 2.1% for FLDR. 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 -12.2% for FLDR 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLDR charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, FLDR currently yields 4.69% against 1.07% for VTI.
Holdings Overlap
FLDR and VTI share 0 holdings out of 3082 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, FLDR or VTI?
FLDR has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, FLDR or VTI?
Over the past year FLDR returned +1.21% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), FLDR annualized +2.87% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, FLDR or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 2.1% for FLDR. Worst drawdown: FLDR -12.2% vs VTI -56.6%.
Should I hold both FLDR and VTI?
FLDR and VTI have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLDR and VTI?
FLDR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3082 unique securities.
Which pays a higher dividend, FLDR or VTI?
FLDR yields 4.69% while VTI yields 1.07%, so FLDR currently pays the higher dividend yield.
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