FSLD vs VTI
FSLD vs VTI
Fidelity Sustainable Low Duration 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 | FSLD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $5M | $663.5B | |
| Dividend Yield | 4.40% | 1.07% | |
| Holdings | 227 | 3,543 | |
| YTD Return | +2.46% | +13.92% | |
| 1Y Return | +2.96% | +24.07% | |
| 3Y Return (annualized) | +4.63% | +20.88% | |
| 5Y Return (annualized) | - | +12.47% | |
| Volatility (annualized) | 0.8% | 15.3% | |
| Max Drawdown | -0.6% | -56.6% | |
| Fund Family | Fidelity Investments (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 19, 2022 | May 24, 2001 |
FSLD vs VTI Performance
Fidelity Sustainable Low Duration Bond ETF (FSLD) is a ETF from Fidelity Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FSLD returned +2.96% while VTI returned +24.07%. Year to date, FSLD is up 2.46% versus a gain of 13.92% for VTI.
Over three years, FSLD compounded at +4.63% per year against +20.88% for VTI. Across the full 4-year window we track, VTI has the edge at +8.13% annualized vs +4.04%. 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 0.8% for FSLD. 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 -0.6% for FSLD 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 0.26. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FSLD charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, FSLD currently yields 4.40% against 1.07% for VTI.
Holdings Overlap
FSLD and VTI share 0 holdings out of 3014 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, FSLD or VTI?
FSLD has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, FSLD or VTI?
Over the past year FSLD returned +2.96% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), FSLD annualized +4.04% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, FSLD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.8% for FSLD. Worst drawdown: FSLD -0.6% vs VTI -56.6%.
Should I hold both FSLD and VTI?
FSLD and VTI have a monthly-return correlation of 0.26, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FSLD and VTI?
FSLD and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3014 unique securities.
Which pays a higher dividend, FSLD or VTI?
FSLD yields 4.40% while VTI yields 1.07%, so FSLD currently pays the higher dividend yield.
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