FFLC vs VTI
FFLC vs VTI
Fidelity Fundamental Large Cap Core ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FFLC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.38% | 0.03% | |
| AUM | $1.2B | $663.5B | |
| Dividend Yield | 0.99% | 1.07% | |
| Holdings | 111 | 3,543 | |
| YTD Return | +11.85% | +13.39% | |
| 1Y Return | +20.30% | +23.21% | |
| 3Y Return (annualized) | +21.54% | +20.65% | |
| 5Y Return (annualized) | +16.50% | +12.18% | |
| Volatility (annualized) | 16.0% | 15.3% | |
| Max Drawdown | -19.7% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 2, 2020 | May 24, 2001 |
FFLC vs VTI Performance
Fidelity Fundamental Large Cap Core ETF (FFLC) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FFLC returned +20.30% while VTI returned +23.21%. Year to date, FFLC is up 11.85% versus a gain of 13.39% for VTI.
Over three years, FFLC compounded at +21.54% per year against +20.65% for VTI; over five years the annualized figures are +16.50% and +12.18% respectively. Across the full 6-year window we track, FFLC has the edge at +20.14% annualized vs +8.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FFLC has been the more volatile fund, with annualized monthly volatility of 16.0% 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 -19.7% for FFLC 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FFLC charges 0.38% per year while VTI charges 0.03%. On a $10,000 position that is $38 vs $3 annually, a gap of $35 per year that compounds over a long holding period. On income, FFLC currently yields 0.99% against 1.07% for VTI.
Holdings Overlap
FFLC and VTI share 79 holdings out of 2809 unique holdings combined, representing a 37.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FFLC | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 8.38% | 6.32% | 2.06% |
| GOOGL | 7.78% | 2.88% | 4.90% |
| AAPL | 3.49% | 5.84% | 2.35% |
| AMZN | Pro | Pro | Pro |
| MSFT | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| XOM | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
| V | Pro | Pro | Pro |
See all 10 holdings FFLC shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, FFLC or VTI?
FFLC has an expense ratio of 0.38% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $35 per year of difference.
Which performed better, FFLC or VTI?
Over the past year FFLC returned +20.30% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), FFLC annualized +20.14% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, FFLC or VTI?
FFLC has been the more volatile fund at 16.0% annualized versus 15.3% for VTI. Worst drawdown: FFLC -19.7% vs VTI -56.6%.
Should I hold both FFLC and VTI?
FFLC and VTI have a monthly-return correlation of 0.91, 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 FFLC and VTI?
FFLC and VTI share 79 common holdings with a 37.1% weight overlap. Combined, they hold 2809 unique securities.
Which pays a higher dividend, FFLC or VTI?
FFLC yields 0.99% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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