FLRG vs VTI
Fidelity US Multifactor 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 | FLRG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $289M | $663.5B | |
| Dividend Yield | 1.38% | 1.07% | |
| Holdings | 105 | 3,543 | |
| YTD Return | +13.46% | +14.22% | |
| 1Y Return | +17.22% | +22.19% | |
| 3Y Return (annualized) | +19.15% | +21.27% | |
| 5Y Return (annualized) | +12.34% | +12.23% | |
| Volatility (annualized) | 13.8% | 15.3% | |
| Max Drawdown | -19.6% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 15, 2020 | May 24, 2001 |
FLRG vs VTI Performance
Fidelity US Multifactor ETF (FLRG) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FLRG returned +17.22% while VTI returned +22.19%. Year to date, FLRG is up 13.46% versus a gain of 14.22% for VTI.
Over three years, FLRG compounded at +19.15% per year against +21.27% for VTI; over five years the annualized figures are +12.34% and +12.23% respectively. Across the full 6-year window we track, FLRG has the edge at +15.54% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.8% for FLRG. 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 -19.6% for FLRG 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
FLRG 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, FLRG currently yields 1.38% against 1.07% for VTI.
Holdings Overlap
FLRG and VTI share 86 holdings out of 2797 unique holdings combined, representing a 38.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FLRG or VTI?
FLRG 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, FLRG or VTI?
Over the past year FLRG returned +17.22% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), FLRG annualized +15.54% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, FLRG or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 13.8% for FLRG. Worst drawdown: FLRG -19.6% vs VTI -56.6%.
Should I hold both FLRG and VTI?
FLRG 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 FLRG and VTI?
FLRG and VTI share 86 common holdings with a 38.0% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, FLRG or VTI?
FLRG yields 1.38% while VTI yields 1.07%, so FLRG currently pays the higher dividend yield.
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