FDIS vs VCR: Grades, Fees and Holdings Compared

Fidelity MSCI Consumer Discretionary Index ETF

FDISBNYSE Arca

Vanguard Consumer Discretionary ETF

VCRBNYSE Arca

Overlap

93.0%by weight

Expense ratio

FDIS −0.01pt a year

FDIS0.08%VCR0.09%

Avg volume · 30D

FDIS 1.9×the volume

FDIS109KVCR56.5K

10Y return · a year

FDIS +0.2pt

FDIS+13.6%VCR+13.4%

FDIS vs VCR Performance

Oct 29, 2021 – Oct 30, 2026

+19.1%FDIS+18.6%VCR

Expense ratio: FDIS 0.08%, better; VCR 0.09%
Fund size: FDIS $1.63B; VCR $6.2B
1Y total return: FDIS −1.7%, better; VCR −1.8%
Yield (12M): FDIS 0.77%; VCR 0.78%, better
Holdings: FDIS 242; VCR 280
Avg volume (30D): FDIS 109K sh, better; VCR 56.5K sh
NAV per share: FDIS $100.14; VCR $385.43
52W range

ETF.net Grade

Pillar letters and Scores for FDIS, VCR, with each pillar’s weight
Pillar	FDIS	VCR
Cost30% weight	A96Higher	A86
Mission25% weight	Not scored	Not scored
Risk15% weight	C42	C42
Tradability15% weight	B60Higher	C43
Holdings10% weight	C51Higher	C47
Durability5% weight	B58	A84Higher

Rank among Consumer Discretionary (Broad) funds

How we build Categories ›

Same Category. FDIS and VCR are both graded against the same 14 Consumer Discretionary (Broad) funds, so their Grades compare head to head.

Consumer Discretionary (Broad)⁠

Category · 14 funds

See all 14 ›

FDIS ranks 2nd and VCR 4th of 14 funds in the Consumer Discretionary (Broad) Category.

Rank 1AXLYState Street Consumer Discretionary Select Sector SPDR ETFScore 79
Rank 2BFDISFidelity MSCI Consumer Discretionary Index ETFScore 69
Rank 3BXRTState Street SPDR S&P Retail ETFScore 65
Rank 4BVCRVanguard Consumer Discretionary ETFScore 63
Rank 5BRTHVanEck Retail ETFScore 56

Our read on each fund

ETF.net Research

FDISBFidelity MSCI Consumer Discretionary Index ETF

VCRBVanguard Consumer Discretionary ETF

In short

FDIS Cheap and wide. FDIS holds about 300 US consumer discretionary stocks rather than the sector's mega-cap handful, and charges 0.08% while the typical fund in its peer group asks roughly four times that.

VCR Consumer discretionary, the whole aisle. VCR tracks roughly 300 US retailers, carmakers, restaurants and travel names across large, mid and small caps for 0.09% a year, instead of stopping at the S&P 500's handful of giants.

Stated mandate

FDIS The fund seeks to track, before fees and expenses, the performance of the MSCI USA IMI Consumer Discretionary 25/50 Index.

VCR The fund passively tracks an index representing U.S. consumer discretionary stocks, seeking to approximate the index through full replication when possible and sampling when required.

Why people hold it

FDIS 0.08% a year, level with the cheapest large fund in the group (XLY) and a fraction of the roughly 0.35% cohort median.
About 300 holdings: the MSCI USA IMI Consumer Discretionary 25/50 Index reaches past the mega caps into mid and small caps.
Tracks that index closely, one of the stronger implementations among the 17 funds in its consumer discretionary group.
A multi-billion-dollar fund from Fidelity, trading since 2013, that pays distributions quarterly.

VCR Costs 0.09% a year against a category median near 0.35%. In sector funds, where everyone owns roughly the same giants, that fee gap is the part you control.
The index reaches past mega-caps into mid and small cap US consumer stocks, so homebuilders, specialty retailers and restaurant chains ride along too.vanguard.com msci.com
Plain mechanics: full replication of its MSCI index where possible, sampling only where it isn't, with quarterly distributions. Same recipe since the 2004 launch.
A multi-billion-dollar fund and one of the stronger builds in the consumer discretionary group, with tracking that stays close to the index it names.

Worth knowing

FDIS One sector, and a cyclical one. Returns ride on how freely US households spend, so the ride is bumpier than a total-market fund's.
The 25/50 rules cap how large any single position gets, but this is still a concentrated slice of the US market.
Moderately traded rather than the category's busiest ticker. Limit orders are the sensible habit, especially in size.

VCR Cap weighting rules the top: a few giants carry most of the basket despite about 300 names. Index rules cap any single issuer at 25%, which still leaves it top-heavy.msci.com msci.com 2
One sector, and a cyclical one. These are the industries Vanguard describes as most sensitive to economic cycles, so the ride is bumpier than a total-market fund.vanguard.com
XLY and FDIS come in a basis point lower at 0.08%. The cost race in this corner is now measured in rounding, not dollars.

Full FDIS profile⁠

Full VCR profile⁠

FDIS vs VCR Holdings

How FDIS and VCR differ

Overlap by weight

93.0%

Shared holdings make up 96.9% of FDIS and 96.4% of VCR.

Level by level

Holdings226 in both93.0%
Countryby domicile97.7%
Asset classEquity100%

Sector

No Sector split for VCR.

Country, concentration and asset class

Country by domicile

Country weights in FDIS and VCR, widest gap first
Country	More in FDISMore in VCR	FDIS	VCR
United States	VCR +2.3 points	97.7%	100.0%
Brazil	FDIS +1.2 points	1.2%	0.0%
Switzerland	FDIS +0.9 points	0.9%	0.0%
Other countries (2)	FDIS +0.2 points	0.2%	0.0%

Concentration

Weight in the 10 largest Holdings

FDIS57.4%
VCR56.6%

Securities held

FDIS239
VCR278

Asset class

FDIS: Equity
VCR: Equity

Holdings

Only in FDIS13
In both226
Only in VCR52

Only in FDIS

13 securities, 5.3% of FDIS by weight

Securities Lending Cf2.26%
Royal Caribbean Cruises Ltd1.26%
Carnival Corp Ltd0.62%
Flutter Entertainment PLC0.24%
Norwegian Cruise Line Hlgs Ltd0.20%
Aptiv PLC0.20%
Gap Inc0.15%
State Street 60 Day Money Mark0.15%
Callaway Golf Company0.10%
Upbound Group Inc0.06%
United Parks & Resorts Inc0.04%
Bobs Discount Furniture Inc0.02%
Navan Inc A<0.01%

Only in VCR

52 securities, 3.4% of VCR by weight

Royal Caribbean Cruises Ltd1.14%
Carnival Corp Ltd0.56%
Flutter Entertainment PLC0.24%
Aptiv PLC0.20%
Norwegian Cruise Line Holdings Ltd0.17%
Gap Inc/The0.16%
SLBBH11420.11%
Callaway Golf Co0.09%
Beazer Homes USA Inc0.05%
Upbound Group Inc0.05%
Sabre Corp0.04%
Helen of Troy Ltd0.04%
United Parks & Resorts Inc0.04%
Smith & Wesson Brands Inc0.04%
Movado Group Inc0.03%
Carriage Services Inc0.03%
Caleres Inc0.02%
Haverty Furniture Cos Inc0.02%
Cooper-Standard Holdings Inc0.02%
El Pollo Loco Holdings Inc0.02%
Dine Brands Global Inc0.02%
Genesco Inc0.02%
Monro Inc0.02%
Camping World Holdings Inc0.02%
Build-A-Bear Workshop Inc0.02%
Johnson Outdoors Inc0.02%
Citi Trends Inc0.02%
Stitch Fix Inc0.02%
Shoe Station Group Inc0.01%
Portillo's Inc0.01%
Biglari Holdings Inc0.01%
Neighborhood Intelligence Inc0.01%
Arko Corp0.01%
Lovesac Co/The0.01%
Funko Inc0.01%
Holley Inc0.01%
Jack in the Box Inc0.01%
RCI Hospitality Holdings Inc0.01%
Zumiez Inc0.01%
Dave & Buster's Entertainment Inc0.01%
EVgo Inc0.01%
Designer Brands Inc0.01%
GoPro Inc<0.01%
Xponential Fitness Inc<0.01%
OneWater Marine Inc<0.01%
Lands' End Inc<0.01%
Traeger Inc<0.01%
Lucky Strike Entertainment Corp<0.01%
1-800-Flowers.com Inc<0.01%
KinderCare Learning Cos Inc<0.01%

Weight gaps

The 100 widest of 226 Holdings in both funds.

Holding weights in FDIS and VCR, widest gap first
Holding	More in FDISMore in VCR	FDIS	VCR
Amazon.com IncAMZN	VCR +1.87 points	21.15%	23.02%
Tesla IncTSLA	FDIS +1.10 points	17.03%	15.93%
Home Depot IncHD	FDIS +0.40 points	4.93%	4.53%
The Booking Holdings IncBKNG	VCR +0.27 points	1.80%	2.07%
Carvana Co Class ACVNA	FDIS +0.13 points	0.73%	0.60%
Mcdonalds CorpMCD	FDIS +0.13 points	2.78%	2.65%
Mercadolibre IncMELI	VCR +0.12 points	1.18%	1.30%
Starbucks CorpSBUX	FDIS +0.10 points	1.85%	1.75%
Lowes Cos IncLOW	FDIS +0.10 points	1.78%	1.68%
Doordash IncDASH	VCR +0.09 points	1.06%	1.15%
Rivian Automotive IncRIVN	VCR +0.08 points	0.23%	0.31%
Marriott International Inc AMAR	FDIS +0.08 points	1.40%	1.32%
Hasbro IncHAS	FDIS +0.08 points	0.32%	0.24%
Ross Stores IncROST	VCR +0.07 points	1.18%	1.25%
Hilton Worldwide Holdings IncHLT	FDIS +0.07 points	1.29%	1.22%
Garmin LtdGRMN	VCR +0.07 points	0.75%	0.82%
Adt IncADT	FDIS +0.06 points	0.18%	0.12%
General Motors CoGM	FDIS +0.07 points	1.25%	1.18%
Ebay IncEBAY	FDIS +0.07 points	0.80%	0.73%
Ulta Beauty IncULTA	FDIS +0.06 points	0.51%	0.45%
Chipotle Mexican Grill IncCMG	VCR +0.05 points	0.67%	0.72%
Burlington Stores IncBURL	VCR +0.05 points	0.28%	0.33%
Yum Brands IncYUM	FDIS +0.04 points	0.69%	0.65%
Bath & Body Works IncBBWI	FDIS +0.04 points	0.16%	0.12%
Abercrombie & Fitch Co Class AANF	FDIS +0.04 points	0.26%	0.22%
Borgwarner IncBWA	VCR +0.04 points	0.22%	0.26%
Etsy IncETSY	FDIS +0.04 points	0.22%	0.18%
Williams-Sonoma IncWSM	FDIS +0.04 points	0.55%	0.51%
Gentherm IncTHRM	FDIS +0.04 points	0.10%	0.06%
Sharkninja IncSN	FDIS +0.04 points	0.38%	0.34%
Crocs IncCROX	FDIS +0.04 points	0.21%	0.17%
Lkq CorpLKQ	VCR +0.03 points	0.12%	0.15%
Figs Inc-Class AFIGS	FDIS +0.04 points	0.12%	0.08%
Autozone IncAZO	FDIS +0.03 points	0.82%	0.79%
Wayfair IncW	FDIS +0.04 points	0.30%	0.26%
O'reilly Automotive IncORLY	VCR +0.03 points	1.16%	1.19%
Darden Restaurants IncDRI	FDIS +0.04 points	0.45%	0.41%
Wingstop IncWING	FDIS +0.03 points	0.13%	0.10%
Vf CorpVFC	FDIS +0.03 points	0.16%	0.13%
Kohls CorpKSS	FDIS +0.03 points	0.16%	0.13%
Rush Street Interactive IncRSI	VCR +0.03 points	0.06%	0.09%
Pool CorpPOOL	FDIS +0.03 points	0.17%	0.15%
Best Buy Co IncBBY	FDIS +0.03 points	0.40%	0.37%
Onespaworld Holdings LtdOSW	FDIS +0.03 points	0.13%	0.10%
Genuine Parts CoGPC	VCR +0.02 points	0.34%	0.36%
Nvr IncNVR	VCR +0.03 points	0.30%	0.33%
Block H & R IncHRB	FDIS +0.03 points	0.18%	0.15%
Ford Motor CoF	VCR +0.03 points	0.77%	0.80%
Texas Roadhouse IncTXRH	FDIS +0.03 points	0.25%	0.22%
Garrett Motion IncGTX	VCR +0.02 points	0.12%	0.14%
Academy Sports & Outdoors IncASO	FDIS +0.03 points	0.14%	0.11%
Planet Fitness Inc Class APLNT	FDIS +0.02 points	0.13%	0.11%
Airbnb Inc Class AABNB	VCR +0.02 points	1.12%	1.14%
Frontdoor IncFTDR	FDIS +0.02 points	0.18%	0.16%
Cracker Barrel Old Ctry St IncCBRL	FDIS +0.02 points	0.09%	0.07%
Urban OutfittersURBN	FDIS +0.02 points	0.16%	0.14%
Brinker International IncEAT	FDIS +0.02 points	0.23%	0.21%
Ralph Lauren CorpRL	FDIS +0.02 points	0.30%	0.28%
Churchill Downs IncCHDN	FDIS +0.02 points	0.15%	0.13%
Mattel IncMAT	FDIS +0.02 points	0.14%	0.12%
RhRH	FDIS +0.02 points	0.12%	0.10%
Victoria's Secret & CoVSXY	FDIS +0.02 points	0.21%	0.19%
Kontoor Brands IncKTB	FDIS +0.02 points	0.14%	0.12%
Hyatt Hotels Corp Class AH	FDIS +0.02 points	0.18%	0.16%
Signet Jewelers Ltd (Us)SIG	FDIS +0.01 points	0.17%	0.16%
Gamestop Corp Class AGME	VCR +0.02 points	0.22%	0.24%
Visteon CorpVC	VCR +0.01 points	0.08%	0.09%
Pvh CorpPVH	FDIS +0.01 points	0.13%	0.12%
Lululemon Athletica IncLULU	FDIS +0.02 points	0.22%	0.20%
Nike Inc Class BNKE	FDIS +0.02 points	0.74%	0.72%
Warby Parker IncWRBY	VCR +0.01 points	0.10%	0.11%
Wynn Resorts LtdWYNN	VCR +0.02 points	0.13%	0.15%
Six Flags Entertainment CorpFUN	VCR +0.01 points	0.04%	0.05%
Mgm Resorts InternationalMGM	VCR +0.02 points	0.13%	0.15%
Las Vegas Sands CorpLVS	VCR +0.02 points	0.21%	0.23%
Five Below IncFIVE	FDIS +0.02 points	0.28%	0.26%
Life Time Group Holdings IncLTH	FDIS +0.02 points	0.19%	0.17%
Shake Shack Inc Class ASHAK	FDIS +0.01 points	0.11%	0.10%
Marriott Vacations WorldVAC	FDIS +0.02 points	0.15%	0.13%
Century Communities IncCCS	VCR +0.02 points	0.08%	0.10%
Gentex CorpGNTX	VCR +0.02 points	0.12%	0.14%
Champion Homes IncSKY	VCR +0.01 points	0.15%	0.16%
Laureate Education IncLAUR	VCR +0.01 points	0.14%	0.15%
Tapestry IncTPR	VCR +0.01 points	0.41%	0.42%
Duolingo IncDUOL	VCR +0.01 points	0.16%	0.17%
Tjx Companies Inc NewTJX	FDIS +0.02 points	2.39%	2.37%
Service Corp International IncSCI	VCR +0.02 points	0.21%	0.23%
Travel+leisure CoTNL	FDIS +0.01 points	0.14%	0.13%
Brunswick CorpBC	FDIS +0.02 points	0.14%	0.12%
Realreal IncREAL	FDIS +0.01 points	0.07%	0.06%
Dana IncDAN	VCR +0.01 points	0.09%	0.10%
Asbury Automotive Group IncABG	FDIS +0.01 points	0.13%	0.12%
Chewy IncCHWY	FDIS +0.01 points	0.14%	0.13%
M/I Homes IncMHO	VCR +0.01 points	0.12%	0.13%
Vail Resorts IncMTN	FDIS +0.01 points	0.16%	0.15%
Lci IndustriesLCII	FDIS +0.02 points	0.10%	0.08%
Lindblad Expeditions HoldingsLIND	FDIS +0.01 points	0.11%	0.10%
Harley-Davidson IncHOG	FDIS +0.01 points	0.12%	0.11%
Advance Auto Parts IncAAP	FDIS +0.01 points	0.10%	0.09%
Goodyear Tire & Rubber CoGT	VCR +0.01 points	0.07%	0.08%

All 274 FDIS holdings⁠All 293 VCR holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

FDIS vs VCR Cost

Overpaying VCR vs FDIS

$125

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

FDIS 0.084%
$1,773
VCR 0.09%
$1,898

Amount$10,000

Years30 years

Cost over time

FDIS 0.084%
VCR 0.09%
Overpaying

Year by year

Year	FDIS	VCR	Overpaying
10	$154	$165	$11
20	$603	$646	$43
30	$1,773	$1,898	$125

Expense ratio

0.08%FDIS, cheaper
0.09%VCR

FDIS0.08%VCR0.09%

0.08%0.60%

Middle half of Consumer Discretionary (Broad) funds
Median 0.35%

FDIS 2nd cheapest of 14 funds

VCR 3rd cheapest of 14 funds

FDIS vs VCR Dividends

Last 12 months to Oct 30, 2026

Yield (12M): FDIS 0.77%; VCR 0.78%, better
Payout (12M): FDIS $0.78; VCR $2.99
Last payment: FDIS $0.20; VCR $0.82
Ex-dividend: FDIS Sep 18, 2026; VCR Sep 23, 2026
Paid on: FDIS Sep 22, 2026; VCR Sep 25, 2026
Frequency: FDIS Quarterly; VCR Quarterly

Distribution history

Per share, 2017 to 2026, same scale for both

FDISQuarterly · 39 paymentsAll FDIS payments⁠

VCRQuarterly · 38 paymentsAll VCR payments⁠

FDIS vs VCR Risk

Fall from peak · 5 years

FDIS
VCR

Risk facts

VolatilityStd dev, 3 years: FDIS 18.2%, betterVCR 18.3%
Return per unit of riskSharpe ratio, 3 years: FDIS 0.65, betterVCR 0.64
Worst fallMax drawdown, 5 years: FDIS −39.2%VCR −39.2%
Market sensitivityBeta, 5 years: FDIS 1.26VCR 1.26; Market = 1

FDIS and VCR in the news

All news⁠

Deep Dive
Amazon and Tesla are 41.6% of consumer discretionary ETF XLY
Oct 28, 2026FDISVCR

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FDIS vs VCR

In short

Stated mandate

Why people hold it

Worth knowing

How FDIS and VCR differ

Level by level

Sector

Country, concentration and asset class

Country by domicile

Concentration

Asset class

Holdings

Only in FDIS

Only in VCR

Weight gaps

Cost over time

Year by year

Distribution history

Fall from peak · 5 years

Risk facts

Amazon and Tesla are 41.6% of consumer discretionary ETF XLY

How FDIS and VCR differ

Level by level

Sector

Country, concentration and asset class

Country by domicile

Concentration

Asset class

Holdings

Only in FDIS

Only in VCR

Weight gaps