FLTR vs VTI
VanEck IG Floating Rate ETF vs Vanguard Morningstar 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 | FLTR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.14% | 0.03% | |
| AUM | $2.9B | $666.9B | |
| Dividend Yield | 4.63% | 1.07% | |
| Holdings | 454 | 3,543 | |
| YTD Return | +2.78% | +14.82% | |
| 1Y Return | +4.85% | +22.43% | |
| 3Y Return (annualized) | +5.93% | +21.93% | |
| 5Y Return (annualized) | +4.65% | +12.34% | |
| Volatility (annualized) | 13.2% | 15.4% | |
| Max Drawdown | -58.9% | -56.6% | |
| Fund Family | VanEck | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 25, 2011 | May 24, 2001 |
FLTR vs VTI Performance
VanEck IG Floating Rate ETF (FLTR) is a ETF from VanEck and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FLTR returned +4.85% while VTI returned +22.43%. Year to date, FLTR is up 2.78% versus a gain of 14.82% for VTI.
Over three years, FLTR compounded at +5.93% per year against +21.93% for VTI; over five years the annualized figures are +4.65% and +12.34% respectively. Across the full 15-year window we track, VTI has the edge at +8.16% annualized vs -2.86%. 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 13.2% for FLTR. 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 -58.9% for FLTR 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLTR charges 0.14% per year while VTI charges 0.03%. On a $10,000 position that is $14 vs $3 annually, a gap of $11 per year that compounds over a long holding period. On income, FLTR currently yields 4.63% against 1.07% for VTI.
Holdings Overlap
FLTR and VTI share 0 holdings out of 3040 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, FLTR or VTI?
FLTR has an expense ratio of 0.14% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $11 per year of difference.
Which performed better, FLTR or VTI?
Over the past year FLTR returned +4.85% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (15 years), FLTR annualized -2.86% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, FLTR or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 13.2% for FLTR. Worst drawdown: FLTR -58.9% vs VTI -56.6%.
Should I hold both FLTR and VTI?
FLTR and VTI have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLTR and VTI?
FLTR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3040 unique securities.
Which pays a higher dividend, FLTR or VTI?
FLTR yields 4.63% while VTI yields 1.07%, so FLTR currently pays the higher dividend yield.
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