FSYD vs VTI
Fidelity Sustainable High Yield 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 | FSYD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $137M | $663.5B | |
| Dividend Yield | 6.98% | 1.07% | |
| Holdings | 411 | 3,543 | |
| YTD Return | +3.91% | +14.96% | |
| 1Y Return | +7.91% | +22.39% | |
| 3Y Return (annualized) | +9.17% | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 7.9% | 15.4% | |
| Max Drawdown | -12.1% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 15, 2022 | May 24, 2001 |
FSYD vs VTI Performance
Fidelity Sustainable High Yield ETF (FSYD) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FSYD returned +7.91% while VTI returned +22.39%. Year to date, FSYD is up 3.91% versus a gain of 14.96% for VTI.
Over three years, FSYD compounded at +9.17% per year against +21.51% for VTI. Across the full 5-year window we track, VTI has the edge at +8.16% annualized vs +5.90%. 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 7.9% for FSYD. 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 -12.1% for FSYD 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FSYD charges 0.55% per year while VTI charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, FSYD currently yields 6.98% against 1.07% for VTI.
Holdings Overlap
FSYD and VTI share 3 holdings out of 2793 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FSYD or VTI?
FSYD has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, FSYD or VTI?
Over the past year FSYD returned +7.91% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), FSYD annualized +5.90% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, FSYD or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 7.9% for FSYD. Worst drawdown: FSYD -12.1% vs VTI -56.6%.
Should I hold both FSYD and VTI?
FSYD and VTI have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FSYD and VTI?
FSYD and VTI share 3 common holdings with a 0.1% weight overlap. Combined, they hold 2793 unique securities.
Which pays a higher dividend, FSYD or VTI?
FSYD yields 6.98% while VTI yields 1.07%, so FSYD currently pays the higher dividend yield.
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