FINA vs ITOT: Differences, Returns & Fees
FINA and ITOT hold 67% of their weight in the same names. Net assets: $2.1bn on Sep 30, 2026 for Fidelity MSCI North American Subset Index ETF, and $98.1bn on Oct 9, 2026 for iShares Core S&P Total U.S. Stock Market ETF.
ITOT costs 0.06 points a year less; ITOT is far larger, $95.9bn against $2.1bn.
| FINA | ITOT | |
|---|---|---|
| Expense ratio | 0.09% | 0.03% |
| Net assets, as of Sep 30, 2026 | $2.1bn | $95.9bn |
| Total return, 1 year | not published | +16.8% |
| What it tracks | not published | S&P Total U.S. Stock Market |
| Holdings in common | 67% | |
| Top ten holdings, share of the fund | 35.0% | 34.8% |
Holdings in common uses holdings dated Jul 31, 2026 and Oct 9, 2026.
What they hold in common
By the books each fund has filed, FINA and ITOT hold 67% 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
67% in common
On the same fields
FINA and ITOT on the fields both publish, as of Oct 9, 2026. Source: ETFIQ.
About FINA
The prospectus expense ratio is 0.09% a year. By its holdings filed for Jul 31, 2026, 94% of the fund by weight is stocks the S&P 500 also holds, across 274 positions, with the top ten at 35.0%.
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 is cheaper, FINA or ITOT?
- ITOT is cheaper, by 0.06 percentage points a year. That is about $6 on $10,000 held for a year. Fees come from each fund's prospectus.
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, FINA against ITOT, data as of Oct 9, 2026. https://etfiq.com/compare/any/fina-vs-itot
ETFIQ. (Oct 9, 2026). FINA against ITOT. Retrieved from https://etfiq.com/compare/any/fina-vs-itot
[FINA against ITOT (ETFIQ, Oct 9, 2026)](https://etfiq.com/compare/any/fina-vs-itot)
Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.