FSBD vs VTI
FSBD vs VTI
Fidelity Sustainable Core Plus 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 | FSBD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.36% | 0.03% | |
| AUM | $13M | $663.5B | |
| Dividend Yield | 4.25% | 1.07% | |
| Holdings | 526 | 3,543 | |
| YTD Return | +4.99% | +11.83% | |
| 1Y Return | +5.11% | +21.79% | |
| 3Y Return (annualized) | +5.29% | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | 7.0% | 15.3% | |
| Max Drawdown | -9.6% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 19, 2022 | May 24, 2001 |
FSBD vs VTI Performance
Fidelity Sustainable Core Plus Bond ETF (FSBD) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FSBD returned +5.11% while VTI returned +21.79%. Year to date, FSBD is up 4.99% versus a gain of 11.83% for VTI.
Over three years, FSBD compounded at +5.29% per year against +20.40% for VTI. Across the full 4-year window we track, VTI has the edge at +8.06% annualized vs +2.56%. 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 7.0% for FSBD. 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 -9.6% for FSBD 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FSBD 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, FSBD currently yields 4.25% against 1.07% for VTI.
Holdings Overlap
FSBD and VTI share 1 holdings out of 3282 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FSBD | Weight in VTI | Difference |
|---|---|---|---|
| MSTR | 0.01% | 0.04% | 0.03% |
Frequently Asked Questions
Which is cheaper, FSBD or VTI?
FSBD 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, FSBD or VTI?
Over the past year FSBD returned +5.11% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), FSBD annualized +2.56% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, FSBD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.0% for FSBD. Worst drawdown: FSBD -9.6% vs VTI -56.6%.
Should I hold both FSBD and VTI?
FSBD and VTI have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FSBD and VTI?
FSBD and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3282 unique securities.
Which pays a higher dividend, FSBD or VTI?
FSBD yields 4.25% while VTI yields 1.07%, so FSBD currently pays the higher dividend yield.
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