How do the expense ratios of FDIS and VCR compare?

FDIS has an expense ratio of 0.08%, while VCR has 0.09%. The difference is 0.01 percentage points. This small gap means the annual fee for each £1,000 invested differs by only 10 pence. Over long periods, lower costs can lead to slightly better net returns if all else is equal, though this difference is modest.

What do the expense ratios mean in the long term?

Expense ratios reduce returns over time through ongoing fees. While the difference is 0.01% between FDIS and VCR, compounding means even small fees matter over decades. However, other factors like index tracking quality and market fluctuations often outweigh such minor fee differences. Investors should consider costs but not base decisions solely on them.

What does each fund track?

FDIS tracks the MSCI Consumer Discretionary Index, while VCR tracks a similar but distinct consumer discretionary benchmark. Although specific index details are not available in the data, both aim to replicate the performance of the U.S. consumer discretionary sector. Their exposure may differ slightly due to methodology variations, but both hold major firms like Amazon and Tesla.

How similar are the top holdings of FDIS and VCR?

Both funds share nine of their top ten holdings, including AMZN, TSLA, HD, MCD, TJX, BKNG, SBUX, LOW, and MELI. The main difference is in the tenth position. The overlapping positions represent the majority of each fund’s portfolio, resulting in very similar sector exposure and risk profiles. Minor weight differences exist, such as AMZN at 22.68% in FDIS versus 22.38% in VCR.

What dividend yields do FDIS and VCR offer?

FDIS has a dividend yield of 0.79%, while VCR offers 0.76%. Both provide modest income, but their yields are relatively low compared to income-focused ETFs. Distributions are not guaranteed and depend on the holdings’ dividends. The yield is calculated from recent payments and market price, so it may vary over time.

Are FDIS and VCR highly concentrated?

Yes, both funds exhibit high concentration. In FDIS, Amazon and Tesla account for 22.68% and 16.09%, respectively, totaling 38.77%. For VCR, the figures are 22.38% and 15.40%, making 37.78%. This level of concentration means performance heavily depends on these two companies, increasing risk compared to more diversified ETFs.

What size are FDIS and VCR?

FDIS has net assets of $1.7 billion, while VCR manages $5.7 billion. VCR’s larger size suggests broader investor adoption. Bigger funds often benefit from better liquidity and economies of scale, though FDIS remains large enough to support efficient trading and tracking.

How do FDIS and VCR differ in their inception dates?

VCR was launched on January 26, 2004, while FDIS began trading on October 21, 2013. VCR has a much longer track record, which some investors may prefer for its extended historical performance data. FDIS is more recent but still has over a decade of trading history.

What is the category of both funds?

Both FDIS and VCR are classified as Consumer Discretionary ETFs. This category includes companies whose goods or services are considered non-essential, meaning demand fluctuates with economic conditions. When consumers have more disposable income, these firms typically benefit, but they may underperform during economic downturns.

Where can investors find the latest information on FDIS and VCR?

Investors should consult official sources such as Yahoo Finance or the fund providers’ websites—Fidelity and Vanguard. These platforms offer updated data on holdings, performance, fees, and distributions. Comparing the funds regularly helps ensure decisions are based on current information rather than static figures.

FDIS vs VCR

Two funds, one decision: we compare cost, performance and what each ETF actually holds in September 2026.

Compare FDIS (Fidelity MSCI Consumer Discretionary ETF) and VCR (Vanguard Consumer Discretionary ETF). This page examines fees, holdings, dividends and how each fund tracks its market. FDIS has a 0.08% expense ratio, while VCR's is 0.09%. Both hold major positions in AMZN and TSLA. Educational content, not financial advice.

Fund Snapshot

Key Fund Metrics

FDIS

Metric

VCR

0.08%

Expense Ratio

0.09%

0.79%

Dividend Yield

0.76%

$1.69B

Net Assets

$5.74B

246

Holdings

281

Oct 21, 2013

Inception Date

Jan 26, 2004

–

Index Tracked

–

Consumer Cyclical

Fund Category

Consumer Cyclical

FDIS costs about $1.00 less per year for every $10,000 invested.

Shared Top Holdings

Holding	FDIS	VCR
AMZNAmazon.com, Inc.	22.68%	22.38%
TSLATesla, Inc.	16.09%	15.40%
HDThe Home Depot, Inc.	4.72%	4.87%
MCDMcDonald's Corporation	2.79%	2.82%
TJXThe TJX Companies, Inc.	2.23%	2.24%
BKNGBooking Holdings Inc.	2.12%	2.36%
SBUXStarbucks Corporation	1.76%	1.84%
LOWLowe's Companies, Inc.	1.73%	1.74%
MELIMercadoLibre, Inc.	1.35%	1.36%

Discover More Comparisons

FDIS vs VOO

Compare FDIS and VOO on expense ratios, dividend yields, top holdings, and index tracking. Review key differences in fund structure and concentration for this.

FDIS vs XLY

Compare FDIS and XLY ETFs. Both have 0.08% expense ratios. Review net assets, yields, holdings and tracking differences for consumer cyclical funds.

FDIS vs FSTA

Compare FDIS and FSTA ETFs on fees, holdings and dividends. Review expense ratios, sector focus and tracking methods for both Fidelity funds today.

Investment Analysis

FDIS

Pros

FDIS offers a lower expense ratio of 0.08% compared to many sector ETFs.
The fund holds $1.7 billion in net assets, ensuring adequate liquidity.
Its dividend yield of 0.79% provides modest income potential.

Considerations

The portfolio is highly concentrated with Amazon and Tesla comprising nearly 39%.
Index methodology details are not available for verification.
Lack of reported sector weights makes granular analysis difficult.

VCR

Pros

VCR manages $5.7 billion in assets, indicating strong institutional adoption.
Its inception date of January 26 2004 provides a long track record.
The expense ratio of 0.09% remains competitive for Vanguard's product line.

Considerations

Top holdings like Amazon and Tesla create significant concentration risk.
The dividend yield of 0.76% is relatively low for income seekers.
Index tracking specifics and sector weights are not available.

Related Market Insights

Beyond 46,000: Investing in a Lower Rate Environment

Explore investment opportunities in rate-sensitive sectors as the Dow surpasses 46,000. Discover how lower interest rates benefit tech, consumer discretionary & finance. Invest with Nemo.

Aimee Silverwood | Financial Analyst

12 September 2025

Read Insight

Related Market Insights

Beyond 46,000: Investing in a Lower Rate Environment

Explore investment opportunities in rate-sensitive sectors as the Dow surpasses 46,000. Discover how lower interest rates benefit tech, consumer discretionary & finance. Invest with Nemo.

Aimee Silverwood | Financial Analyst

12 September 2025

Read Insight

About FDIS and VCR

FDIS (FDIS)

FDIS is an exchange-traded fund from Fidelity that seeks to provide exposure to the US consumer discretionary sector by tracking a broad MSCI consumer discretionary index. It holds a diversified basket of companies that sell goods and services tied to consumer spending — from retailers, restaurants and leisure companies to automotive and household discretionary brands. Investors should know this ETF concentrates sector risk: performance is closely linked to consumer confidence, employment and economic cycles, so returns can be more volatile than broad-market funds. FDIS can be useful for adding focused growth exposure or expressing a view on consumer trends, but it does not offer the broad diversification of a total-market ETF. Costs, tracking error and portfolio turnover matter — check the fund prospectus for the current expense ratio, dividend policy and largest holdings. This information is educational, not personal advice; investors should consider their risk tolerance, investment horizon and seek professional guidance if unsure.

VCR (VCR)

Vanguard Consumer Discretionary ETF (VCR) is an exchange-traded fund that provides investors broad exposure to U.S. consumer discretionary companies — firms whose revenues typically track consumer spending, such as retailers, auto makers, leisure and travel businesses, and consumer services. VCR tracks a market-cap-weighted index of the sector across a range of company sizes, offering diversification compared with single-stock ownership. As a sector-focused ETF it can be useful for investors seeking targeted exposure within a diversified portfolio, but it carries cyclical risk: consumer discretionary tends to be more sensitive to economic slowdowns and confidence swings. Vanguard is known for low-cost index products, though sector ETFs can still be concentrated in a relatively small number of large holdings. This information is educational only and not personalised investment advice; values can fall as well as rise, and past performance is not a reliable guide to future results.

Which Baskets Do They Appear In?

Investing Post-46,000: Which Assets May Outperform?

The Dow's historic close above 46,000 was fueled by anticipation of Federal Reserve rate cuts, signaling strong investor confidence. This creates an investment opportunity in sectors that are poised to benefit from a lower interest rate environment.

Published: 12 September 2025

Explore Basket

Which Baskets Do They Appear In?

Investing Post-46,000: Which Assets May Outperform?

Published: 12 September 2025

Explore Basket

Buy FDIS or VCR in Nemo

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

FDIS vs VCR

Fund Snapshot