FLRN vs VTI
FLRN vs VTI
State Street SPDR Bloomberg Investment Grade Floating Rate 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 | FLRN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $3.1B | $663.5B | |
| Dividend Yield | 4.57% | 1.07% | |
| Holdings | 520 | 3,543 | |
| YTD Return | +2.15% | +14.20% | |
| 1Y Return | +4.18% | +24.16% | |
| 3Y Return (annualized) | +5.19% | +21.12% | |
| 5Y Return (annualized) | +4.16% | +12.37% | |
| Volatility (annualized) | 2.3% | 15.3% | |
| Max Drawdown | -20.1% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 30, 2011 | May 24, 2001 |
FLRN vs VTI Performance
State Street SPDR Bloomberg Investment Grade Floating Rate ETF (FLRN) is a ETF from State Street Investment Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FLRN returned +4.18% while VTI returned +24.16%. Year to date, FLRN is up 2.15% versus a gain of 14.20% for VTI.
Over three years, FLRN compounded at +5.19% per year against +21.12% for VTI; over five years the annualized figures are +4.16% and +12.37% respectively. Across the full 15-year window we track, VTI has the edge at +8.14% annualized vs +1.54%. 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 2.3% for FLRN. 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 -20.1% for FLRN 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLRN charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, FLRN currently yields 4.57% against 1.07% for VTI.
Holdings Overlap
FLRN and VTI share 1 holdings out of 3094 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FLRN | Weight in VTI | Difference |
|---|---|---|---|
| GE | 0.09% | 0.54% | 0.45% |
Frequently Asked Questions
Which is cheaper, FLRN or VTI?
FLRN has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, FLRN or VTI?
Over the past year FLRN returned +4.18% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (15 years), FLRN annualized +1.54% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, FLRN or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.3% for FLRN. Worst drawdown: FLRN -20.1% vs VTI -56.6%.
Should I hold both FLRN and VTI?
FLRN and VTI have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLRN and VTI?
FLRN and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 3094 unique securities.
Which pays a higher dividend, FLRN or VTI?
FLRN yields 4.57% while VTI yields 1.07%, so FLRN currently pays the higher dividend yield.
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