FTHB vs VTI

Quick Verdict

VTI has a lower expense ratio. VTI offers more diversification with 2783 holdings.

Lower Fees: VTIHigher Returns: TiedMore Diversified: VTI

Side-by-Side Comparison

MetricFTHBVTIWinner
Expense Ratio0.65%0.03%
AUM$10M$663.5B
Dividend Yield1.01%1.07%
Holdings203,543
YTD Return+2.37%+13.92%
1Y Return-+24.07%
3Y Return (annualized)-+20.88%
5Y Return (annualized)-+12.47%
Volatility (annualized)-15.3%
Max Drawdown-1.4%-56.6%
Fund FamilyFaith Investor ServicesVanguard (US)
CategoryFixed IncomeEquity
InceptionMar 19, 2026May 24, 2001

FTHB vs VTI Performance

FIS Faith Income ETF (FTHB) is a ETF from Faith Investor Services and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, FTHB is up 2.37% versus a gain of 13.92% for VTI.

Risk: Volatility and Drawdowns

The deepest peak-to-trough decline in our data was -1.4% for FTHB and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.

Fees and Cost Over Time

FTHB charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, FTHB currently yields 1.01% against 1.07% for VTI.

Holdings Overlap

0.0%overlap

FTHB and VTI share 2 holdings out of 2795 unique holdings combined, representing a 0.0% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Top Shared Holdings

StockWeight in FTHBWeight in VTIDifference
MFA2.28%0.00%2.28%
RITM1.94%0.00%1.94%

Frequently Asked Questions

Which is cheaper, FTHB or VTI?

FTHB has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $62 per year of difference.

What is the holdings overlap between FTHB and VTI?

FTHB and VTI share 2 common holdings with a 0.0% weight overlap. Combined, they hold 2795 unique securities.

Which pays a higher dividend, FTHB or VTI?

FTHB yields 1.01% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.

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