VFHvsFNCLETF Comparison
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Vanguard Financials ETF (VFH) and Fidelity MSCI Financials Index ETF (FNCL) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: Finance, Technology and Business Services. VFH is more expensive with a Total Expense Ratio (TER) of 0.09%, versus 0.084% for FNCL. VFH is up 5.08% year-to-date (YTD) with -$567M in YTD flows. FNCL performs better with 5.09% YTD performance, and -$154M in YTD flows. Run a side-by-side ETF comparison of VFH and FNCL below, and assess how they stack up in performance, liquidity, risk, exposure, holdings, and more, helping you select the best ETF for your investments.
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VFH vs FNCL performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 09/10/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | VFH FNCL | -1.63%-1.63% | +9.08%+9.10% | +5.08%+5.09% | +8.55%+8.57% | +76.13%+76.17% | +66.04%+65.95% |
| Flows | VFH FNCL | -$279M-$12M | -$50M-$23M | -$567M-$154M | -$352M-$130M | -$516M+$60M | -$1.23B-$157M |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | VFH FNCL | +12.96%+13.32% | +14.88%+14.95% | +16.78%+16.86% | +19.23%+19.14% |
| Max drawdown | VFH FNCL | -2.90%-2.91% | -14.72%-14.71% | -17.30%-17.30% | -25.72%-25.71% |
| Max drawdown duration | VFH FNCL | 7d7d | 177d177d | 129d129d | 770d770d |
Trading data
VFH | FNCL | |
Last sale 9/11/2026 at 2:15 PM | $139.32 | $81.09 |
| Previous close 09/10/2026 | $138.91 | $80.89 |
| Consolidated volume 09/10/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of August 31, 2026
1-year trailing difference
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VFH | FNCL | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 9/11/2026 at 2:15 PM
Live
Closed
VFH | FNCL | |
|---|---|---|
| Last price | $139.32 | $81.09 |
| 1D performance | +0.30% | +0.25% |
| AuM | $13.32 B | $2.36 B |
| E/R | 0.09% | 0.084% |
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Exposure
Countries
VFH
USA
90.64%
Other
9.36%
FNCL
USA
95.96%
Other
4.04%
Sectors
VFH
Finance
90.31%
Other
9.69%
FNCL
Finance
95.7%
Other
4.3%
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Diversification
VFH
Total weight of top 15 holdings out of 15
52.03%
FNCL
Total weight of top 15 holdings out of 15
55.95%
Top 15 holdings
Data as of July 31, 2026
VFH
JPMorgan Chase & Co.
10.14%
Berkshire Hathaway, Inc.
7.65%
Mastercard, Inc.
5.04%
Bank of America Corp.
4.52%
Visa, Inc.
4.20%
The Goldman Sachs Group, Inc.
3.06%
Wells Fargo & Co.
2.85%
Morgan Stanley
2.68%
Citigroup, Inc.
2.35%
American Express Co.
1.92%
The Charles Schwab Corp.
1.87%
BlackRock, Inc.
1.73%
Capital One Financial Corp.
1.34%
S&P Global, Inc.
1.34%
The Progressive Corp.
1.33%
FNCL
JPMorgan Chase & Co.
10.47%
Berkshire Hathaway, Inc.
7.79%
Visa, Inc.
6.73%
Mastercard, Inc.
5.03%
Bank of America Corp.
4.64%
The Goldman Sachs Group, Inc.
3.33%
Wells Fargo & Co.
2.91%
Morgan Stanley
2.74%
Citigroup, Inc.
2.47%
American Express Co.
1.95%
The Charles Schwab Corp.
1.91%
BlackRock, Inc.
1.77%
S&P Global, Inc.
1.41%
The Progressive Corp.
1.40%
Chubb Ltd.
1.39%
Frequently asked questions about VFH and FNCL
How have the VFH and FNCL ETFs performed in 2026?
As of September 10, 2026, VFH is up 5.08% year-to-date (YTD), while FNCL has returned 5.09%. That puts FNCL better performer ahead so far this year.
Which ETF is attracting more investor money: VFH or FNCL?
Year-to-date, the VFH ETF saw -$567M in flows, compared to -$154M for FNCL.
Which ETF is more volatile: VFH or FNCL?
Over the past year, VFH had a volatility of 14.88%, while FNCL experienced 14.95%.
Which ETF is bigger: VFH or FNCL?
As of September 10, 2026, VFH holds $13.32 B in assets under management (AUM), while FNCL manages $2.36 B.
What sectors do the VFH and FNCL ETFs invest in?
VFH leans toward sectors like Finance. Meanwhile, FNCL focuses on Finance.
What are the top holdings of the VFH ETF and FNCL ETF?
VFH top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Mastercard, Inc.. FNCL holds in its top three: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc..
Which ETF is more diversified: VFH or FNCL?
VFH holds 426 securities with 52.03% of its assets in the top 15. FNCL has 383 securities and a top 15 weight of 55.95%.
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Latest news about VFH & FNCL
Tony's ETF Buyer's Guide: Sector ETFs (Vanguard versus State Street SPDR)
December 1, 2023
VFH
Financial Sector Rebounds Into Positive Year-to-date Performance
November 21, 2023
VFH
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