FZFXX vs VXUS
Fidelity Treasury Money Market Fund vs Vanguard Total International Stock ETF
Quick Verdict
VXUS has a lower expense ratio. VXUS offers more diversification with 8,747 holdings.
Side-by-Side Comparison
| Metric | FZFXX | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.42% | 0.05% | |
| AUM | $41.6B | $158.1B | |
| Dividend Yield | 3.17% | 2.59% | |
| Holdings | 170 | 8,747 | |
| YTD Return | +0.00% | +15.77% | |
| 1Y Return | - | +26.56% | |
| 3Y Return (annualized) | - | +20.47% | |
| 5Y Return (annualized) | - | +9.53% | |
| Volatility (annualized) | - | 15.1% | |
| Max Drawdown | 0.0% | -39.9% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Money Market | Equity | |
| Inception | Apr 6, 2015 | Jan 26, 2011 |
FZFXX vs VXUS Performance
Fidelity Treasury Money Market Fund (FZFXX) is a mutual fund from Fidelity Investments (US) and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Year to date, FZFXX is up 0.00% versus a gain of 15.77% for VXUS.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was 0.0% for FZFXX and -39.9% for VXUS. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
FZFXX charges 0.42% per year while VXUS charges 0.05%. On a $10,000 position that is $42 vs $5 annually, a gap of $37 per year that compounds over a long holding period. On income, FZFXX currently yields 3.17% against 2.59% for VXUS.
Holdings Overlap
FZFXX and VXUS share 0 holdings out of 7917 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FZFXX or VXUS?
FZFXX has an expense ratio of 0.42% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
What is the holdings overlap between FZFXX and VXUS?
FZFXX and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7917 unique securities.
Which pays a higher dividend, FZFXX or VXUS?
FZFXX yields 3.17% while VXUS yields 2.59%, so FZFXX currently pays the higher dividend yield.
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