FNCL vs VXUS
Fidelity MSCI Financials Index ETF vs Vanguard Total International Stock ETF
Which is better, FNCL or VXUS?
Large Cap Value against Large Cap Blend.
VXUS has a lower expense ratio. FNCL led over 5Y and the full window, VXUS over 1Y and 3Y.
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 | FNCL | VXUS |
|---|---|---|
| Expense Ratio | 0.08% | 0.05%Best |
| AUM | $2.4B | $158.1B |
| Dividend Yield | 1.53% | 2.51% |
| Holdings | 389 | 8,747 |
| YTD Return | +2.80% | +13.64%Best |
| 1Y Return | +4.92% | +20.82%Best |
| 3Y Return (annualized) | +19.57% | +19.58%Best |
| 5Y Return (annualized) | +10.22%Best | +9.14% |
| Volatility (annualized) | 18.6% | 14.5%Best |
| Max Drawdown | -45.0% | -39.9%Best |
| $10,000 over 5 years | $16,267Best | $15,485 |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 21, 2013 | Jan 26, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 24, 2013 to Sep 17, 2026 (12.9 years).
FNCL vs VXUS 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 12.9 years both funds cover.
FNCL vs VXUS Performance
Fidelity MSCI Financials Index ETF (FNCL) is an ETF from Fidelity Investments (US) and Vanguard Total International Stock ETF (VXUS) is an ETF from Vanguard (US). Over the past year FNCL returned +4.92% while VXUS returned +20.82%. Year to date, FNCL is up 2.80% versus a gain of 13.64% for VXUS.
Over three years, FNCL compounded at +19.57% per year against +19.58% for VXUS; over five years the annualized figures are +10.22% and +9.14% respectively. Across the full 13-year window we track, FNCL has the edge at +10.29% annualized vs +5.33%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNCL has been the more volatile fund, with annualized monthly volatility of 18.6% compared with 14.5% for VXUS. 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 -45.0% for FNCL and -39.9% for VXUS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FNCL charges 0.08% per year while VXUS charges 0.05%. On a $10,000 position that is $8 vs $5 annually, a gap of $3 per year that compounds over a long holding period. On income, FNCL currently yields 1.53% against 2.51% for VXUS.
Holdings Overlap
At least 0.7% of FNCL's money is in holdings VXUS also owns.
Stated as a floor: for VXUS, our book for it covers 88.8% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
4 positions in common, counted across the 369 positions we hold weights for in FNCL and 8,082 in VXUS, against full books of 389 and 8,747.
You are not choosing between two funds in isolation.
Whichever of FNCL and VXUS 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, FNCL or VXUS?
FNCL has an expense ratio of 0.08% while VXUS charges 0.05%. VXUS is the cheaper option, by $3 a year on a $10,000 investment.
Which performed better, FNCL or VXUS?
Over the past year FNCL returned +4.92% vs +20.82% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (13 years), FNCL annualized +10.29% vs +5.33% for VXUS. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FNCL or VXUS?
FNCL has been the more volatile fund at 18.6% annualized versus 14.5% for VXUS. Worst drawdown: FNCL -45.0% vs VXUS -39.9%.
Should I hold both FNCL and VXUS?
FNCL and VXUS have a monthly-return correlation of 0.71, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, FNCL or VXUS?
FNCL yields 1.53% while VXUS yields 2.51%, so VXUS currently pays the higher dividend yield.
Is VXUS better than FNCL?
VXUS has a lower expense ratio. FNCL led over 5Y and the full window, VXUS over 1Y and 3Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.