FVAL vs VTI
Fidelity Value Factor ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FVAL delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FVAL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $1.3B | $663.5B | |
| Dividend Yield | 1.61% | 1.07% | |
| Holdings | 129 | 3,543 | |
| YTD Return | +15.59% | +14.16% | |
| 1Y Return | +29.48% | +23.62% | |
| 3Y Return (annualized) | +20.66% | +21.43% | |
| 5Y Return (annualized) | +12.87% | +12.33% | |
| Volatility (annualized) | 16.4% | 15.3% | |
| Max Drawdown | -37.7% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 12, 2016 | May 24, 2001 |
FVAL vs VTI Performance
Fidelity Value Factor ETF (FVAL) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FVAL returned +29.48% while VTI returned +23.62%. Year to date, FVAL is up 15.59% versus a gain of 14.16% for VTI.
Over three years, FVAL compounded at +20.66% per year against +21.43% for VTI; over five years the annualized figures are +12.87% and +12.33% respectively. Across the full 10-year window we track, FVAL has the edge at +13.87% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FVAL has been the more volatile fund, with annualized monthly volatility of 16.4% 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 -37.7% for FVAL 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 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FVAL charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, FVAL currently yields 1.61% against 1.07% for VTI.
Holdings Overlap
FVAL and VTI share 111 holdings out of 2798 unique holdings combined, representing a 44.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FVAL or VTI?
FVAL has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, FVAL or VTI?
Over the past year FVAL returned +29.48% vs +23.62% for VTI, so FVAL leads on 1-year performance. Over the longest common window we track (10 years), FVAL annualized +13.87% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, FVAL or VTI?
FVAL has been the more volatile fund at 16.4% annualized versus 15.3% for VTI. Worst drawdown: FVAL -37.7% vs VTI -56.6%.
Should I hold both FVAL and VTI?
FVAL and VTI have a monthly-return correlation of 0.97, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between FVAL and VTI?
FVAL and VTI share 111 common holdings with a 44.3% weight overlap. Combined, they hold 2798 unique securities.
Which pays a higher dividend, FVAL or VTI?
FVAL yields 1.61% while VTI yields 1.07%, so FVAL currently pays the higher dividend yield.
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