FTIHX vs IVV
Fidelity Total International Index Fund vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. FTIHX delivered stronger 1-year returns. FTIHX offers more diversification with 5,059 holdings.
Side-by-Side Comparison
| Metric | FTIHX | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.03% | |
| AUM | - | $907.0B | |
| Dividend Yield | 2.46% | 1.10% | |
| Holdings | 5,059 | 508 | |
| YTD Return | +15.87% | +12.71% | |
| 1Y Return | +23.71% | +21.89% | |
| 3Y Return (annualized) | +17.65% | +22.08% | |
| 5Y Return (annualized) | +6.75% | +12.96% | |
| Volatility (annualized) | 15.6% | 15.1% | |
| Max Drawdown | -32.0% | -56.5% | |
| Fund Family | Fidelity Investments (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Jun 7, 2016 | May 15, 2000 |
FTIHX vs IVV Performance
Fidelity Total International Index Fund (FTIHX) is a mutual fund from Fidelity Investments (US) and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year FTIHX returned +23.71% while IVV returned +21.89%. Year to date, FTIHX is up 15.87% versus a gain of 12.71% for IVV.
Over three years, FTIHX compounded at +17.65% per year against +22.08% for IVV; over five years the annualized figures are +6.75% and +12.96% respectively. Across the full 5-year window we track, IVV has the edge at +7.00% annualized vs +6.75%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FTIHX has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 15.1% for IVV. 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 -32.0% for FTIHX and -56.5% for IVV. 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FTIHX charges 0.06% per year while IVV charges 0.03%. On a $10,000 position that is $6 vs $3 annually, a gap of $3 per year that compounds over a long holding period. On income, FTIHX currently yields 2.46% against 1.10% for IVV.
Holdings Overlap
FTIHX and IVV share 4 holdings out of 5482 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, FTIHX or IVV?
FTIHX has an expense ratio of 0.06% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, FTIHX or IVV?
Over the past year FTIHX returned +23.71% vs +21.89% for IVV, so FTIHX leads on 1-year performance. Over the longest common window we track (5 years), FTIHX annualized +6.75% vs +7.00% for IVV. Past performance does not guarantee future results.
Which is riskier, FTIHX or IVV?
FTIHX has been the more volatile fund at 15.6% annualized versus 15.1% for IVV. Worst drawdown: FTIHX -32.0% vs IVV -56.5%.
Should I hold both FTIHX and IVV?
FTIHX and IVV have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FTIHX and IVV?
FTIHX and IVV share 4 common holdings with a 0.1% weight overlap. Combined, they hold 5482 unique securities.
Which pays a higher dividend, FTIHX or IVV?
FTIHX yields 2.46% while IVV yields 1.10%, so FTIHX currently pays the higher dividend yield.
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