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FFLC vs ITOT: Differences, Returns & Fees

FFLC and ITOT hold 35% of their weight in the same names, and ITOT returned +16.8% over the year. Net assets: $1.2bn on Sep 30, 2026 for Fidelity Fundamental Large Cap Core ETF, and $98.1bn on Oct 9, 2026 for iShares Core S&P Total U.S. Stock Market ETF.

ITOT costs 0.35 points a year less; their one-year returns differ by 1.5 points; ITOT is far larger, $95.9bn against $1.2bn.

FFLC vs ITOT: Differences, Returns & Fees
FFLCITOT
Expense ratio0.38%0.03%
Net assets, as of Sep 30, 2026$1.2bn$95.9bn
Total return, 1 year+15.3%+16.8%
What it tracksNo index, actively managedS&P Total U.S. Stock Market
Holdings in common35%
Top ten holdings, share of the fund39.5%34.8%

Holdings in common uses holdings dated Jul 31, 2026 and Oct 9, 2026.

+15.3%
FFLC total return, 1 year
+16.8%
ITOT total return, 1 year
0.38%
FFLC expense ratio
0.03%
ITOT expense ratio

What they hold in common

By the books each fund has filed, FFLC and ITOT hold 35% of their money in the same securities at the same weight. Above 50%, holding both is close to holding one of them twice. Holdings dated Jul 31, 2026 and Oct 9, 2026.

half

35% in common

Positions both hold, largest shared weight first
Holding FFLC ITOT
NVIDIA CORP 8.35% 7.35%
APPLE INC 4.18% 6.51%
AMAZON.COM INC 5.55% 3.41%
ALPHABET INC 7.10% 2.73%
MICROSOFT CORP 2.60% 5.26%
BROADCOM INC 2.48% 2.28%
META PLATFORMS INC 2.94% 2.10%
EXXONMOBIL HOLDINGS CORP 1.96% 0.92%
VISA INC 1.90% 0.87%
ADVANCED MICRO DEVICES INC 0.75% 1.31%
BANK OF AMERICA CORPORATION 1.65% 0.47%
COCA COLA CO 0.73% 0.45%
Only in FFLC
TAIWAN SEMICONDUCTOR MFG CO LTD 2.40%
ELI LILLY and CO 1.67%
WELLS FARGO and CO 1.57%
WESTINGHOUSE AIR BRAKE TECH CORP 1.37%
SHELL PLC 1.21%
BANK NEW YORK MELLON CORP 0.91%
IMPERIAL OIL LTD 0.88%
PNC FINANCIAL SERVICES GRP INC 0.86%
Only in ITOT
ALPHABET CLASS C 2.19%
TESLA INC 1.43%
BERKSHIRE HATHAWAY INC CLASS B 1.27%
ELI LILLY 1.25%
JPMORGAN CHASE & CO 1.17%
JOHNSON & JOHNSON 0.83%
WALMART 0.66%
ABBVIE 0.65%

Check overlap with more funds →

On the same fields

FFLC
Fidelity Fundamental Large Cap Core ETF
ITOT
iShares Core S&P Total U.S. Stock Market ETF
Where it sits Stock ETF Stock ETF
Issuer Fidelity iShares
What it is Actively managed Tracks the S&P Total U.S. Stock Market
Total return, 1 year +15.3% +16.8%
Expense ratio 0.38% 0.03%
Already in the S&P 500 82.9% 88.1%
Holdings 115 2459
Net assets, FFLC as of Sep 30, 2026 and ITOT as of Oct 9, 2026 $1.2bn $98.1bn

FFLC and ITOT on the fields both publish, as of Oct 9, 2026. Source: ETFIQ.

About FFLC

FFLC is actively managed and tracks no index. Over the year to Oct 9, 2026 it returned +15.3% with distributions reinvested. The prospectus expense ratio is 0.38% a year. By its holdings filed for Jul 31, 2026, 83% of the fund by weight is stocks the S&P 500 also holds, across 115 positions, with the top ten at 39.5%.

About ITOT

ITOT tracks the S&P Total U.S. Stock Market. Over the year to Oct 9, 2026 it returned +16.8% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer for Oct 9, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,459 positions, with the top ten at 34.8%.

Questions people ask

Which returned more over the last year, FFLC or ITOT?
In the year to Oct 9, 2026, with distributions reinvested, FFLC returned +15.3% and ITOT +16.8%.
Which is cheaper, FFLC or ITOT?
ITOT is cheaper, by 0.35 percentage points a year. That is about $35 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do FFLC and ITOT overlap with the S&P 500?
By their latest filed holdings, 83% of FFLC and 88% of ITOT by weight is stocks the S&P 500 already holds.
Other comparisons
FFLC vs VIGFFLC vs SCHXFFLC vs VVFFLC vs SPYMITOT vs LCTUITOT vs SUSLITOT vs STXFFTGS vs ITOT
FFLC on its own →ITOT on its own →Hold both: look the portfolio through →Rankings →Standards and sources →
Where these figures came from
FFLC filings on SEC EDGAR ↗FFLC prospectus with the expense ratio (SEC) ↗Fidelity website ↗ITOT filings on SEC EDGAR ↗ITOT prospectus with the expense ratio (SEC) ↗iShares page for ITOT ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, FFLC against ITOT, data as of Oct 9, 2026. https://etfiq.com/compare/any/fflc-vs-itot

Open data

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.