FIGB vs VTI
FIGB vs VTI
Fidelity Investment Grade Bond 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 | FIGB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.36% | 0.03% | |
| AUM | $507M | $663.5B | |
| Dividend Yield | 4.45% | 1.07% | |
| Holdings | 760 | 3,543 | |
| YTD Return | +0.00% | +13.57% | |
| 1Y Return | +2.10% | +24.23% | |
| 3Y Return (annualized) | +4.25% | +20.73% | |
| 5Y Return (annualized) | -0.17% | +12.24% | |
| Volatility (annualized) | 6.3% | 15.3% | |
| Max Drawdown | -18.1% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 2, 2021 | May 24, 2001 |
FIGB vs VTI Performance
Fidelity Investment Grade Bond ETF (FIGB) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FIGB returned +2.10% while VTI returned +24.23%. Year to date, FIGB is up 0.00% versus a gain of 13.57% for VTI.
Over three years, FIGB compounded at +4.25% per year against +20.73% for VTI; over five years the annualized figures are -0.17% and +12.24% respectively. Across the full 5-year window we track, VTI has the edge at +8.12% annualized vs +0.34%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.3% for FIGB. 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 -18.1% for FIGB 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FIGB charges 0.36% per year while VTI charges 0.03%. On a $10,000 position that is $36 vs $3 annually, a gap of $33 per year that compounds over a long holding period. On income, FIGB currently yields 4.45% against 1.07% for VTI.
Holdings Overlap
FIGB and VTI share 0 holdings out of 2797 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, FIGB or VTI?
FIGB has an expense ratio of 0.36% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, FIGB or VTI?
Over the past year FIGB returned +2.10% vs +24.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), FIGB annualized +0.34% vs +8.12% for VTI. Past performance does not guarantee future results.
Which is riskier, FIGB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.3% for FIGB. Worst drawdown: FIGB -18.1% vs VTI -56.6%.
Should I hold both FIGB and VTI?
FIGB and VTI have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FIGB and VTI?
FIGB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, FIGB or VTI?
FIGB yields 4.45% while VTI yields 1.07%, so FIGB currently pays the higher dividend yield.
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