FUSI vs VTI
FUSI vs VTI
American Century Multisector Floating Income 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 | FUSI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.27% | 0.03% | |
| AUM | $23M | $663.5B | |
| Dividend Yield | 5.25% | 1.07% | |
| Holdings | 61 | 3,543 | |
| YTD Return | +3.23% | +11.83% | |
| 1Y Return | +5.26% | +21.79% | |
| 3Y Return (annualized) | +5.75% | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | 0.7% | 15.3% | |
| Max Drawdown | -0.7% | -56.6% | |
| Fund Family | American Century Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 14, 2023 | May 24, 2001 |
FUSI vs VTI Performance
American Century Multisector Floating Income ETF (FUSI) is a ETF from American Century Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FUSI returned +5.26% while VTI returned +21.79%. Year to date, FUSI is up 3.23% versus a gain of 11.83% for VTI.
Over three years, FUSI compounded at +5.75% per year against +20.40% for VTI. Across the full 3-year window we track, VTI has the edge at +8.06% annualized vs +5.99%. 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 0.7% for FUSI. 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 -0.7% for FUSI 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 0.38. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FUSI charges 0.27% per year while VTI charges 0.03%. On a $10,000 position that is $27 vs $3 annually, a gap of $24 per year that compounds over a long holding period. On income, FUSI currently yields 5.25% against 1.07% for VTI.
Holdings Overlap
FUSI and VTI share 0 holdings out of 2804 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, FUSI or VTI?
FUSI has an expense ratio of 0.27% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, FUSI or VTI?
Over the past year FUSI returned +5.26% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), FUSI annualized +5.99% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, FUSI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.7% for FUSI. Worst drawdown: FUSI -0.7% vs VTI -56.6%.
Should I hold both FUSI and VTI?
FUSI and VTI have a monthly-return correlation of 0.38, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FUSI and VTI?
FUSI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2804 unique securities.
Which pays a higher dividend, FUSI or VTI?
FUSI yields 5.25% while VTI yields 1.07%, so FUSI currently pays the higher dividend yield.
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