FFND vs VTI
One Global ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FFND or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. FFND is less concentrated, with 27.0% of the fund in its ten largest positions against 33.5%.
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 | FFND | VTI |
|---|---|---|
| Expense Ratio | 1.00% | 0.03%Best |
| AUM | $96M | $689.2B |
| Dividend Yield | 0.61% | 1.06% |
| Holdings | 92 | 3,524 |
| YTD Return | +4.71% | +13.02%Best |
| 1Y Return | +7.86% | +16.63%Best |
| 3Y Return (annualized) | +19.41% | +21.97%Best |
| 5Y Return (annualized) | +4.62% | +11.99%Best |
| Volatility (annualized) | 22.6% | 15.9%Best |
| Max Drawdown | -47.8% | -25.4%Best |
| $10,000 over 5 years | $12,534 | $17,616Best |
| Top 10 Weight | 27.0%Best | 33.5% |
| Fund Family | The Future Fund | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Aug 24, 2021 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Aug 24, 2021 to Oct 14, 2026 (5.1 years).
FFND 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 5.1 years both funds cover.
FFND vs VTI Performance
One Global ETF (FFND) is an ETF from The Future Fund and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FFND returned +7.86% while VTI returned +16.63%. Year to date, FFND is up 4.71% versus a gain of 13.02% for VTI.
Over three years, FFND compounded at +19.41% per year against +21.97% for VTI; over five years the annualized figures are +4.62% and +11.99% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FFND has been the more volatile fund, with annualized monthly volatility of 22.6% compared with 15.9% 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 -47.8% for FFND and -25.4% 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FFND charges 1.00% per year while VTI charges 0.03%. On a $10,000 position that is $100 vs $3 annually, a gap of $97 per year that compounds over a long holding period. On income, FFND currently yields 0.61% against 1.06% for VTI.
Holdings Overlap
72.7% of FFND's money is in holdings VTI also owns. 38.8% of VTI's money is in holdings FFND also owns.
Most of FFND is already inside VTI. Owning both mostly buys the same companies twice.
59 positions in common, counted across the 88 positions we hold weights for in FFND and 3,441 in VTI, against full books of 92 and 3,524.
What only one of them owns
Our book lists 1,101 positions for VTI that do not appear in our book for FFND (58.9% of the fund), and 11 for FFND that do not appear in VTI (8.5%).
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 FFND | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 4.68% | 6.30% | 1.62% |
| NVDANvidia Corp | 3.48% | 6.88% | 3.40% |
| MSFTMicrosoft Corp | 2.85% | 5.11% | 2.26% |
| AMZNAmazon.Com Inc | 4.29% | 3.41% | 0.88% |
| GOOGLAlphabet Inc | 2.83% | 2.70% | 0.13% |
| AVGOBroadcom Inc | 2.18% | 2.38% | 0.20% |
| METAMeta Platforms Inc | 1.54% | 1.70% | 0.16% |
| JPMJpmorgan Chase | 1.26% | 1.29% | 0.03% |
| INTCIntel Corporation | 1.79% | 0.51% | 1.28% |
| JNJJohnson & Johnson - Common | 1.30% | 0.87% | 0.43% |
72.7% of FFND 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, FFND or VTI?
FFND has an expense ratio of 1.00% while VTI charges 0.03%. VTI is the cheaper option, by $97 a year on a $10,000 investment.
Which performed better, FFND or VTI?
Over the past year FFND returned +7.86% 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, FFND or VTI?
FFND has been the more volatile fund at 22.6% annualized versus 15.9% for VTI. Worst drawdown: FFND -47.8% vs VTI -25.4%.
Should I hold both FFND and VTI?
FFND and VTI have a monthly-return correlation of 0.89, 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 FFND and VTI?
72.7% of FFND's money is in holdings VTI also owns. 38.8% of VTI's is in holdings FFND also owns. They hold 59 positions in common, counted across the 88 positions we hold weights for in FFND and 3,441 in VTI.
Which pays a higher dividend, FFND or VTI?
FFND yields 0.61% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than FFND?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. FFND is less concentrated, with 27.0% of the fund in its ten largest positions against 33.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.