GERM vs. FHLC

Last updated Jun 4, 2026

GERM (Amplify Treatments, Testing and Advancements ETF) and FHLC (Fidelity MSCI Health Care Index ETF) are both Health & Biotech Equities funds - GERM tracks the Prime Treatments, Testing and Advancements Index while FHLC tracks the MSCI USA IMI Health Care Index. Both are passively managed. Over the past year, GERM returned 0.00% vs 14.43% for FHLC. GERM charges 0.68%/yr vs 0.08%/yr for FHLC.

Performance

GERM vs. FHLC - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Amplify Treatments, Testing and Advancements ETF (GERM) and Fidelity MSCI Health Care Index ETF (FHLC). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

GERM

• 1D: 0.00%
• 1M: 0.00%
• YTD: 0.00%
• 6M: 0.00%
• 1Y: 0.00%
• 3Y*: —
• 5Y*: —
• 10Y*: —

FHLC

• 1D: 0.82%
• 1M: 1.50%
• YTD: -3.90%
• 6M: -4.11%
• 1Y: 14.43%
• 3Y*: 6.14%
• 5Y*: 4.50%
• 10Y*: 9.14%

*Multi-year figures are annualized to reflect compound growth (CAGR)

GERM vs. FHLC - Yearly Performance Comparison

	2026 (YTD)	2025	2024
GERM Amplify Treatments, Testing and Advancements ETF	0.00%	0.00%	0.00%
FHLC Fidelity MSCI Health Care Index ETF	-3.90%	15.42%	-9.19%

GERM vs. FHLC - Sectors Allocation Comparison

Sectors	GERM	FHLC
Healthcare	99.3%	99.6%
Financial Services	0.4%	0.1%
Basic Materials	-	-
Communication Services	-	-
Consumer Cyclical	-	-
Consumer Defensive	-	-
Energy	-	-
Industrials	-	0.0%
Real Estate	-	-
Technology	-	0.0%
Utilities	-	-

Return for Risk

GERM vs. FHLC — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FHLC

FHLC Risk / Return Rank: 27
FHLC Sharpe Ratio Rank: 27
FHLC Sortino Ratio Rank: 29
FHLC Omega Ratio Rank: 26
FHLC Calmar Ratio Rank: 28
FHLC Martin Ratio Rank: 26

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

GERM vs. FHLC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Amplify Treatments, Testing and Advancements ETF (GERM) and Fidelity MSCI Health Care Index ETF (FHLC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	GERM	FHLC	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	1.01	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.30	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.55	—
Sharpe Ratio (All Time) Calculated using the full available price history	—	0.61	—

Drawdowns

GERM vs. FHLC - Drawdown Comparison

The maximum GERM drawdown since its inception was 0.00%, smaller than the maximum FHLC drawdown of -28.76%. Use the drawdown chart below to compare losses from any high point for GERM and FHLC.

Drawdown Indicators

	GERM	FHLC	Difference
Max Drawdown Largest peak-to-trough decline	0.00%	-28.76%	+28.76%
Max Drawdown (1Y) Largest decline over 1 year	0.00%	-10.38%	+10.38%
Max Drawdown (3Y) Largest decline over 3 years	—	-16.87%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-17.73%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-28.76%	—
Current Drawdown Current decline from peak	0.00%	-6.96%	+6.96%
Average Drawdown Average peak-to-trough decline	0.00%	-5.19%	+5.19%
Ulcer Index Depth and duration of drawdowns from previous peaks	0.00%	4.11%	-4.11%

Volatility

GERM vs. FHLC - Volatility Comparison

The current volatility for Amplify Treatments, Testing and Advancements ETF (GERM) is 0.00%, while Fidelity MSCI Health Care Index ETF (FHLC) has a volatility of 4.05%. This indicates that GERM experiences smaller price fluctuations and is considered to be less risky than FHLC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	GERM	FHLC	Difference
Volatility (1M) Calculated over the trailing 1-month period	0.00%	4.05%	-4.05%
Volatility (6M) Calculated over the trailing 6-month period	0.00%	10.11%	-10.11%
Volatility (1Y) Calculated over the trailing 1-year period	0.00%	14.33%	-14.33%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	0.00%	14.97%	-14.97%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	0.00%	16.81%	-16.81%

GERM vs. FHLC - Expense Ratio Comparison

GERM has a 0.68% expense ratio, which is higher than FHLC's 0.08% expense ratio.

Dividends

GERM vs. FHLC - Dividend Comparison

GERM has not paid dividends to shareholders, while FHLC's dividend yield for the trailing twelve months is around 1.43%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FHLC Fidelity MSCI Health Care Index ETF	1.43%	1.40%	1.51%	1.40%	1.30%	1.16%	1.45%	1.18%	1.38%	1.38%	1.40%	2.07%
GERM Amplify Treatments, Testing and Advancements ETF	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Which is riskier, GERM or FHLC?

FHLC has higher volatility (4.05%) compared to GERM (0.00%). In terms of maximum drawdown, GERM dropped 0.00% vs FHLC's -28.76%.

Which ETF is better, GERM or FHLC?

On 1-year performance, FHLC leads with 14.43% vs 0.00% for GERM. On fees, FHLC is cheaper at 0.08% per year. On volatility, GERM has been the lower-risk option at 0.00%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, GERM or FHLC?

Over the 1-year period, FHLC has performed better with a 14.43% return vs 0.00%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, GERM or FHLC?

FHLC is cheaper with a 0.08% expense ratio, compared with 0.68% for GERM.

Which ETF pays a higher dividend yield, GERM or FHLC?

FHLC has the higher dividend yield at 1.43%, compared with 0.00% for GERM.

What is the main difference between GERM and FHLC?

GERM tracks Prime Treatments, Testing and Advancements Index, while FHLC tracks MSCI USA IMI Health Care Index. They also come from different issuers: Amplify and Fidelity. Their fees differ too: 0.68% for GERM and 0.08% for FHLC.