FNCL vs VTI
FNCL vs VTI
Fidelity MSCI Financials Index 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 | FNCL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $2.2B | $663.5B | |
| Dividend Yield | 1.65% | 1.07% | |
| Holdings | 381 | 3,543 | |
| YTD Return | +6.19% | +14.20% | |
| 1Y Return | +14.27% | +24.16% | |
| 3Y Return (annualized) | +20.52% | +21.12% | |
| 5Y Return (annualized) | +10.79% | +12.37% | |
| Volatility (annualized) | 18.6% | 15.3% | |
| Max Drawdown | -45.0% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 21, 2013 | May 24, 2001 |
FNCL vs VTI Performance
Fidelity MSCI Financials Index ETF (FNCL) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FNCL returned +14.27% while VTI returned +24.16%. Year to date, FNCL is up 6.19% versus a gain of 14.20% for VTI.
Over three years, FNCL compounded at +20.52% per year against +21.12% for VTI; over five years the annualized figures are +10.79% and +12.37% respectively. Across the full 13-year window we track, FNCL has the edge at +10.66% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNCL has been the more volatile fund, with annualized monthly volatility of 18.6% 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 -45.0% for FNCL 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FNCL charges 0.08% per year while VTI charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, FNCL currently yields 1.65% against 1.07% for VTI.
Holdings Overlap
FNCL and VTI share 274 holdings out of 2875 unique holdings combined, representing a 7.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FNCL | Weight in VTI | Difference |
|---|---|---|---|
| V | 6.71% | 0.77% | 5.94% |
| MA | 5.29% | 0.56% | 4.73% |
| BAC | 4.31% | 0.50% | 3.81% |
| GS | Pro | Pro | Pro |
| C | Pro | Pro | Pro |
| MS | Pro | Pro | Pro |
| AXP | Pro | Pro | Pro |
| SCHW | Pro | Pro | Pro |
| BLK | Pro | Pro | Pro |
| SPGI | Pro | Pro | Pro |
See all 10 holdings FNCL 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, FNCL or VTI?
FNCL has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, FNCL or VTI?
Over the past year FNCL returned +14.27% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (13 years), FNCL annualized +10.66% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, FNCL or VTI?
FNCL has been the more volatile fund at 18.6% annualized versus 15.3% for VTI. Worst drawdown: FNCL -45.0% vs VTI -56.6%.
Should I hold both FNCL and VTI?
FNCL and VTI have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FNCL and VTI?
FNCL and VTI share 274 common holdings with a 7.8% weight overlap. Combined, they hold 2875 unique securities.
Which pays a higher dividend, FNCL or VTI?
FNCL yields 1.65% while VTI yields 1.07%, so FNCL currently pays the higher dividend yield.
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