FSBD vs VTI
Fidelity Sustainable Core Plus Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FSBD or VTI?
Long Term High Quality against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. FSBD is less concentrated, with 32.8% of the fund in its ten largest positions against 33.3%.
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 | FSBD | VTI |
|---|---|---|
| Expense Ratio | 0.36% | 0.03%Best |
| AUM | $13M | $666.9B |
| Dividend Yield | 4.25% | 1.03% |
| Holdings | 526 | 3,543 |
| Volatility (annualized) | 7.0%Best | 15.8% |
| Max Drawdown | -9.6%Best | -19.3% |
| $10,000 over 3.6 years | $10,953 | $15,841Best |
| Top 10 Weight | 32.8%Best | 33.3% |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term High Quality | Large Cap Blend |
| Inception | Apr 19, 2022 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 306 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. FSBD has data through Nov 13, 2025 and VTI through Sep 15, 2026.
Volatility and max drawdown, and the $10,000 over 3.6 years row, are measured over the window both funds cover: Apr 21, 2022 to Nov 13, 2025 (3.6 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.8% compared with 7.0% for FSBD. 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 -9.6% for FSBD 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FSBD charges 0.36% per year while VTI charges 0.03%. On a $10,000 position that is $36 vs $3 annually, a gap of $33 per year that compounds over a long holding period. On income, FSBD currently yields 4.25% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 500 holdings in FSBD and 3,463 in VTI, totalling 104.6% and 98.1% of the two funds. That is not enough of VTI to divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
The two holdings books were reported 334 days apart, FSBD as of Aug 31, 2025 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 500 positions we hold weights for in FSBD and 3,463 in VTI, against full books of 526 and 3,543.
What only one of them owns
Our book lists 1,148 positions for VTI that do not appear in our book for FSBD (97.4% of the fund), and 495 for FSBD that do not appear in VTI (104.6%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in FSBD | Weight in VTI | Difference |
|---|---|---|---|
| MSTRStrategy Inc 9% | 0.01% | 0.04% | 0.03% |
You are not choosing between two funds in isolation.
Whichever of FSBD 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, FSBD or VTI?
FSBD has an expense ratio of 0.36% while VTI charges 0.03%. VTI is the cheaper option, by $33 a year on a $10,000 investment.
Which is riskier, FSBD or VTI?
VTI has been the more volatile fund at 15.8% annualized versus 7.0% for FSBD. Worst drawdown: FSBD -9.6% vs VTI -19.3%.
Should I hold both FSBD and VTI?
FSBD and VTI have a monthly-return correlation of 0.70, 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, FSBD or VTI?
FSBD yields 4.25% while VTI yields 1.03%, so FSBD currently pays the higher dividend yield.
Is VTI better than FSBD?
VTI has a lower expense ratio. VTI led over 1Y and the full window. FSBD is less concentrated, with 32.8% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.