FNDA vs SCHD
Schwab Fundamental US Small Company ETF vs Schwab US Dividend Equity ETF
Which is better, FNDA or SCHD?
Small Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. FNDA is less concentrated, with 3.8% of the fund in its ten largest positions against 41.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | FNDA | SCHD |
|---|---|---|
| Expense Ratio | 0.25% | 0.06%Best |
| AUM | $9.2B | $112.2B |
| Dividend Yield | 1.12% | 3.13% |
| Holdings | 918 | 103 |
| YTD Return | +16.52% | +26.13%Best |
| 1Y Return | +18.52% | +30.01%Best |
| 3Y Return (annualized) | +15.52% | +16.09%Best |
| 5Y Return (annualized) | +8.24% | +9.95%Best |
| Volatility (annualized) | 19.4% | 14.2%Best |
| Max Drawdown | -45.9% | -33.4%Best |
| $10,000 over 5 years | $14,857 | $16,069Best |
| Top 10 Weight | 3.8%Best | 41.5% |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Small Cap Blend | Large Cap Value |
| Inception | Aug 15, 2013 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Aug 15, 2013 to Sep 8, 2026 (13.1 years).
FNDA vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 13.1 years both funds cover.
FNDA vs SCHD Performance
Schwab Fundamental US Small Company ETF (FNDA) is an ETF from Charles Schwab Asset Management and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year FNDA returned +18.52% while SCHD returned +30.01%. Year to date, FNDA is up 16.52% versus a gain of 26.13% for SCHD.
Over three years, FNDA compounded at +15.52% per year against +16.09% for SCHD; over five years the annualized figures are +8.24% and +9.95% respectively. Across the full 13-year window we track, SCHD has the edge at +10.62% annualized vs +9.40%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNDA has been the more volatile fund, with annualized monthly volatility of 19.4% compared with 14.2% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -45.9% for FNDA and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FNDA charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, FNDA currently yields 1.12% against 3.13% for SCHD.
Holdings Overlap
2.8% of FNDA's money is in holdings SCHD also owns. 2.6% of SCHD's money is in holdings FNDA also owns.
FNDA and SCHD share little of their money.
30 positions in common, counted across the 915 positions we hold weights for in FNDA and 100 in SCHD, against full books of 918 and 103.
What only one of them owns
Our book lists 69 positions for SCHD that do not appear in our book for FNDA (97.1% of the fund), and 861 for FNDA that do not appear in SCHD (95.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in FNDA | Weight in SCHD | Difference |
|---|---|---|---|
| ARESAres Management Corp Preferred Stock 7 | 0.07% | 0.72% | 0.65% |
| COLBColumbia Banking System Inc Common Stock | 0.21% | 0.23% | 0.02% |
| OZKBank Ozk | 0.23% | 0.13% | 0.10% |
| FHIFederated Investors Inc | 0.20% | 0.11% | 0.09% |
| MCMoelis + Co Class A | 0.18% | 0.12% | 0.06% |
| ERIEErie Indemnity Co Cl A | 0.13% | 0.16% | 0.03% |
| KFYKorn Ferry | 0.18% | 0.11% | 0.07% |
| APAMArtisan Partners Asset Management, Inc. | 0.12% | 0.08% | 0.04% |
| CVBFCvb Financial Corp | 0.11% | 0.09% | 0.02% |
| NSPInsperity Inc | 0.15% | 0.05% | 0.10% |
You are not choosing between two funds in isolation.
Whichever of FNDA and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FNDA or SCHD?
FNDA has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option, by $19 a year on a $10,000 investment.
Which performed better, FNDA or SCHD?
Over the past year FNDA returned +18.52% vs +30.01% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), FNDA annualized +9.40% vs +10.62% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FNDA or SCHD?
FNDA has been the more volatile fund at 19.4% annualized versus 14.2% for SCHD. Worst drawdown: FNDA -45.9% vs SCHD -33.4%.
Should I hold both FNDA and SCHD?
FNDA and SCHD have a monthly-return correlation of 0.85, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between FNDA and SCHD?
2.8% of FNDA's money is in holdings SCHD also owns. 2.6% of SCHD's is in holdings FNDA also owns. They hold 30 positions in common, counted across the 915 positions we hold weights for in FNDA and 100 in SCHD.
Which pays a higher dividend, FNDA or SCHD?
FNDA yields 1.12% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than FNDA?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. FNDA is less concentrated, with 3.8% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.