FDIG vs VTI
Fidelity Crypto Industry and Digital Payments ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FDIG or VTI?
Multi Alternative against Large Cap Blend.
VTI has a lower expense ratio. FDIG led over 3Y, VTI over 1Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 35.6%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | FDIG | VTI |
|---|---|---|
| Expense Ratio | 0.39% | 0.03%Best |
| AUM | $253M | $689.2B |
| Dividend Yield | 1.49% | 1.06% |
| Holdings | 116 | 3,524 |
| YTD Return | -8.24% | +13.02%Best |
| 1Y Return | -35.09% | +16.63%Best |
| 3Y Return (annualized) | +34.66%Best | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 60.3% | 15.3%Best |
| Max Drawdown | -58.3% | -19.3%Best |
| $10,000 over 4.5 years | $16,157 | $18,269Best |
| Top 10 Weight | 35.6% | 33.5%Best |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Blend |
| Inception | Apr 19, 2022 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 4.5 years row, are measured over the window both funds cover: Apr 21, 2022 to Oct 14, 2026 (4.5 years).
FDIG vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.5 years both funds cover.
FDIG vs VTI Performance
Fidelity Crypto Industry and Digital Payments ETF (FDIG) is an ETF from Fidelity Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FDIG returned -35.09% while VTI returned +16.63%. Year to date, FDIG is down 8.24% versus a gain of 13.02% for VTI.
Over three years, FDIG compounded at +34.66% per year against +21.97% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDIG has been the more volatile fund, with annualized monthly volatility of 60.3% 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 -58.3% for FDIG and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FDIG charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, FDIG currently yields 1.49% against 1.06% for VTI.
Holdings Overlap
65.9% of FDIG's money is in holdings VTI also owns. 2.0% of VTI's money is in holdings FDIG also owns.
The two portfolios partly overlap.
30 positions in common, counted across the 58 positions we hold weights for in FDIG and 3,441 in VTI, against full books of 116 and 3,524.
What only one of them owns
Our book lists 1,135 positions for VTI that do not appear in our book for FDIG (95.6% of the fund), and 7 for FDIG that do not appear in VTI (9.1%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in FDIG | Weight in VTI | Difference |
|---|---|---|---|
| COINCoinbase Global Inc -Class A | 5.32% | 0.05% | 5.27% |
| BMNRBitMine Technologies Inc | 4.99% | 0.02% | 4.97% |
| CRCLCircle Internet Group In | 4.46% | 0.02% | 4.44% |
| SQBlock Inc | 3.37% | 0.06% | 3.31% |
| MARAMarathon Patent Group Inc. | 2.83% | 0.01% | 2.82% |
| HOODRobinhood Markets Inc - A | 2.63% | 0.11% | 2.52% |
| CHYMChime Financial Inc Class A | 2.71% | 0.01% | 2.70% |
| VVisa Inc. Cl A | 1.79% | 0.85% | 0.94% |
| ASSTStrive Inc - A | 2.59% | 0.00% | 2.59% |
| APLDApplied Digital Corp | 2.50% | 0.01% | 2.49% |
65.9% of FDIG is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FDIG or VTI?
FDIG has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option, by $36 a year on a $10,000 investment.
Which performed better, FDIG or VTI?
Over the past year FDIG returned -35.09% vs +16.63% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FDIG or VTI?
FDIG has been the more volatile fund at 60.3% annualized versus 15.3% for VTI. Worst drawdown: FDIG -58.3% vs VTI -19.3%.
Should I hold both FDIG and VTI?
FDIG and VTI have a monthly-return correlation of 0.77, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between FDIG and VTI?
65.9% of FDIG's money is in holdings VTI also owns. 2.0% of VTI's is in holdings FDIG also owns. They hold 30 positions in common, counted across the 58 positions we hold weights for in FDIG and 3,441 in VTI.
Which pays a higher dividend, FDIG or VTI?
FDIG yields 1.49% while VTI yields 1.06%, so FDIG currently pays the higher dividend yield.
Is VTI better than FDIG?
VTI has a lower expense ratio. FDIG led over 3Y, VTI over 1Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 35.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.