FINT vs VTI
FINT vs VTI
Frontier Asset Total International Equity ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FINT delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FINT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.87% | 0.03% | |
| AUM | $76M | $663.5B | |
| Dividend Yield | 1.88% | 1.07% | |
| Holdings | 9 | 3,543 | |
| YTD Return | +15.68% | +14.20% | |
| 1Y Return | +28.36% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 10.5% | 15.3% | |
| Max Drawdown | -13.6% | -56.6% | |
| Fund Family | Frontier Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 19, 2024 | May 24, 2001 |
FINT vs VTI Performance
Frontier Asset Total International Equity ETF (FINT) is a ETF from Frontier Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FINT returned +28.36% while VTI returned +24.16%. Year to date, FINT is up 15.68% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 10.5% for FINT. 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 -13.6% for FINT 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FINT charges 0.87% per year while VTI charges 0.03%. On a $10,000 position that is $87 vs $3 annually, a gap of $84 per year that compounds over a long holding period. On income, FINT currently yields 1.88% against 1.07% for VTI.
Holdings Overlap
FINT and VTI share 0 holdings out of 2791 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, FINT or VTI?
FINT has an expense ratio of 0.87% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $84 per year of difference.
Which performed better, FINT or VTI?
Over the past year FINT returned +28.36% vs +24.16% for VTI, so FINT leads on 1-year performance. Over the longest common window we track (2 years), FINT annualized +28.87% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, FINT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.5% for FINT. Worst drawdown: FINT -13.6% vs VTI -56.6%.
Should I hold both FINT and VTI?
FINT and VTI have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FINT and VTI?
FINT and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, FINT or VTI?
FINT yields 1.88% while VTI yields 1.07%, so FINT currently pays the higher dividend yield.
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