FTIHX vs VTI
Fidelity Total International Index Fund vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI 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 | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.03% | |
| AUM | - | $666.9B | |
| Dividend Yield | 2.46% | 1.07% | |
| Holdings | 5,059 | 3,543 | |
| YTD Return | +15.87% | +13.14% | |
| 1Y Return | +23.71% | +22.35% | |
| 3Y Return (annualized) | +17.65% | +21.83% | |
| 5Y Return (annualized) | +6.75% | +12.01% | |
| Volatility (annualized) | 15.6% | 15.3% | |
| Max Drawdown | -32.0% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 7, 2016 | May 24, 2001 |
FTIHX vs VTI Performance
Fidelity Total International Index Fund (FTIHX) is a mutual fund from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FTIHX returned +23.71% while VTI returned +22.35%. Year to date, FTIHX is up 15.87% versus a gain of 13.14% for VTI.
Over three years, FTIHX compounded at +17.65% per year against +21.83% for VTI; over five years the annualized figures are +6.75% and +12.01% respectively. Across the full 5-year window we track, VTI has the edge at +8.09% 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 15.3% for VTI. 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 -56.6% 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FTIHX charges 0.06% per year while VTI 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 1.07% for VTI.
Holdings Overlap
FTIHX and VTI share 19 holdings out of 7749 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 VTI?
FTIHX has an expense ratio of 0.06% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, FTIHX or VTI?
Over the past year FTIHX returned +23.71% vs +22.35% for VTI, so FTIHX leads on 1-year performance. Over the longest common window we track (5 years), FTIHX annualized +6.75% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, FTIHX or VTI?
FTIHX has been the more volatile fund at 15.6% annualized versus 15.3% for VTI. Worst drawdown: FTIHX -32.0% vs VTI -56.6%.
Should I hold both FTIHX and VTI?
FTIHX and VTI 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 VTI?
FTIHX and VTI share 19 common holdings with a 0.1% weight overlap. Combined, they hold 7749 unique securities.
Which pays a higher dividend, FTIHX or VTI?
FTIHX yields 2.46% while VTI yields 1.07%, so FTIHX currently pays the higher dividend yield.
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