FZILX vs VTI
Fidelity ZERO International Index Fund vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
FZILX has a lower expense ratio. FZILX delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FZILX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.00% | 0.03% | |
| AUM | $12.3B | $666.9B | |
| Dividend Yield | 2.35% | 1.07% | |
| Holdings | 2,172 | 3,543 | |
| YTD Return | +16.76% | +12.79% | |
| 1Y Return | +25.32% | +20.47% | |
| 3Y Return (annualized) | +18.43% | +21.53% | |
| 5Y Return (annualized) | +7.07% | +11.84% | |
| Volatility (annualized) | 15.4% | 15.3% | |
| Max Drawdown | -32.8% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 2, 2018 | May 24, 2001 |
FZILX vs VTI Performance
Fidelity ZERO International Index Fund (FZILX) 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 FZILX returned +25.32% while VTI returned +20.47%. Year to date, FZILX is up 16.76% versus a gain of 12.79% for VTI.
Over three years, FZILX compounded at +18.43% per year against +21.53% for VTI; over five years the annualized figures are +7.07% and +11.84% respectively. Across the full 5-year window we track, VTI has the edge at +8.07% annualized vs +7.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FZILX has been the more volatile fund, with annualized monthly volatility of 15.4% 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 -32.8% for FZILX 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FZILX charges 0.00% per year while VTI charges 0.03%. On a $10,000 position that is $0 vs $3 annually, a gap of $3 per year that compounds over a long holding period. On income, FZILX currently yields 2.35% against 1.07% for VTI.
Holdings Overlap
FZILX and VTI share 9 holdings out of 4919 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FZILX or VTI?
FZILX has an expense ratio of 0.00% while VTI charges 0.03%. FZILX is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, FZILX or VTI?
Over the past year FZILX returned +25.32% vs +20.47% for VTI, so FZILX leads on 1-year performance. Over the longest common window we track (5 years), FZILX annualized +7.07% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, FZILX or VTI?
FZILX has been the more volatile fund at 15.4% annualized versus 15.3% for VTI. Worst drawdown: FZILX -32.8% vs VTI -56.6%.
Should I hold both FZILX and VTI?
FZILX and VTI have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FZILX and VTI?
FZILX and VTI share 9 common holdings with a 0.2% weight overlap. Combined, they hold 4919 unique securities.
Which pays a higher dividend, FZILX or VTI?
FZILX yields 2.35% while VTI yields 1.07%, so FZILX currently pays the higher dividend yield.
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