Data as of Oct 28, 2026.
FNCL vs VFH: Differences, Returns & Fees
Over the year to Oct 28, 2026, FNCL returned +7.6% to VFH's +7.5%; 96% of their weight is in the same names.
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Net assets on Sep 30, 2026: $2.2bn for Fidelity MSCI Financials Index ETF and $12.7bn for Vanguard Financials ETF.
Pair scorecard
FNCL costs 0.01 points a year less; their one-year returns differ by 0.1 points; VFH is 5.8 times larger.
| Measure | FNCL | VFH |
|---|---|---|
| Return | ||
| Total return, 1 year | +7.6% | +7.5% |
| Drawdown | ||
| Below its high | 4.4%, high on Sep 3, 2026 | |
| Benchmark | ||
| What it tracks | MSCI USA IMI Financials 25/50 Index | MSCI US Investable Market Index (IMI)/Financials 25/50 |
| Cost and size | ||
| Expense ratio | 0.08% | 0.09% |
| Net assets, as of Sep 30, 2026 | $2.2bn | $12.7bn |
| Holdings | ||
| Holdings in common | 96% | |
| Top ten holdings, share of the fund | 48.4% | 48.2% |
Holdings in common uses holdings dated Jul 31, 2026 and Sep 30, 2026. Method
What they share
By the books each fund has filed, FNCL and VFH hold 96% of their money in the same securities at the same weight. Holdings dated Jul 31, 2026 and Sep 30, 2026.
half
96% in common
Only in one fund ↓
Side by side
FNCL and VFH on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
FNCL and VFH are close to the same fund. What, if anything, separates them?
- What each follows. FNCL follows MSCI USA IMI Financials 25/50 Index and VFH follows MSCI US Investable Market Index (IMI)/Financials 25/50.
- Size. FNCL has $2.2bn in net assets and VFH $12.7bn (net assets, as of Sep 30, 2026); VFH is 5.8 times larger.
- Holdings in common (similar). 96% of the weight is in the same securities (holdings dated Jul 31, 2026 and Sep 30, 2026).
Data as of Oct 28, 2026.
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FNCL
FNCL tracks an index. Over the year to Oct 28, 2026 it returned +7.6% with distributions reinvested, against +7.5% for its benchmark, the MSCI USA IMI Financials 25/50 Index. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jul 31, 2026, 86% of the fund by weight is stocks the S&P 500 also holds, across 383 positions, with the top ten at 48.4%. It sat 4.4% below its high of Sep 3, 2026 on Oct 28, 2026.
VFH
VFH tracks an index. Over the year to Oct 28, 2026 it returned +7.5% with distributions reinvested, against +7.6% for its benchmark, the MSCI US Investable Market Index (IMI)/Financials 25/50. The prospectus expense ratio is 0.09% a year. By its holdings published by its issuer as of Sep 30, 2026, 83% of the fund by weight is stocks the S&P 500 also holds, across 425 positions, with the top ten at 48.2%.
Questions people ask
- Which returned more over the last year, FNCL or VFH?
- In the year to Oct 28, 2026, with distributions reinvested, FNCL returned +7.6% and VFH +7.5%.
- Which is cheaper, FNCL or VFH?
- FNCL is cheaper, by 0.01 percentage points a year. That is about $1 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. 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, FNCL against VFH, data as of Oct 28, 2026. https://etfiq.com/compare/any/fncl-vs-vfh
ETFIQ. (Oct 28, 2026). FNCL against VFH. Retrieved from https://etfiq.com/compare/any/fncl-vs-vfh
[FNCL against VFH (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/fncl-vs-vfh)
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