FSYD vs VTI
Fidelity Sustainable High Yield ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FSYD or VTI?
High Yield Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
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 | FSYD | VTI |
|---|---|---|
| Expense Ratio | 0.55% | 0.03%Best |
| AUM | $145M | $666.9B |
| Dividend Yield | 6.87% | 1.03% |
| Holdings | 403 | 3,543 |
| YTD Return | +2.68% | +12.30%Best |
| 1Y Return | +3.86% | +16.08%Best |
| 3Y Return (annualized) | +8.86% | +21.01%Best |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 7.8%Best | 15.9% |
| Max Drawdown | -12.1%Best | -22.4% |
| $10,000 over 4.6 years | $12,787 | $18,124Best |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Blend |
| Inception | Feb 15, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.6 years row, are measured over the window both funds cover: Feb 17, 2022 to Sep 18, 2026 (4.6 years).
FSYD vs VTI 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 4.6 years both funds cover.
FSYD vs VTI Performance
Fidelity Sustainable High Yield ETF (FSYD) is an ETF from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FSYD returned +3.86% while VTI returned +16.08%. Year to date, FSYD is up 2.68% versus a gain of 12.30% for VTI.
Over three years, FSYD compounded at +8.86% per year against +21.01% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 7.8% 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 -22.4% 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 0.85. 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 6.87% against 1.03% for VTI.
Holdings Overlap
At least 0.1% of VTI's money is in holdings FSYD also owns.
Stated as a floor: for FSYD, our book for it covers 66.5% 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 209 positions we hold weights for in FSYD and 3,463 in VTI, against full books of 403 and 3,543.
You are not choosing between two funds in isolation.
Whichever of FSYD 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, FSYD or VTI?
FSYD has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option, by $52 a year on a $10,000 investment.
Which performed better, FSYD or VTI?
Over the past year FSYD returned +3.86% vs +16.08% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FSYD or VTI?
VTI has been the more volatile fund at 15.9% annualized versus 7.8% for FSYD. Worst drawdown: FSYD -12.1% vs VTI -22.4%.
Should I hold both FSYD and VTI?
FSYD and VTI have a monthly-return correlation of 0.85, 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, FSYD or VTI?
FSYD yields 6.87% while VTI yields 1.03%, so FSYD currently pays the higher dividend yield.
Is VTI better than FSYD?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.