FNDA vs SCHD
Schwab Fundamental US Small Company ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FNDA offers more diversification with 915 holdings.
Side-by-Side Comparison
| Metric | FNDA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $9.2B | $103.7B | |
| Dividend Yield | 1.10% | 3.31% | |
| Holdings | 938 | 104 | |
| YTD Return | +20.68% | +25.58% | |
| 1Y Return | +28.68% | +31.06% | |
| 3Y Return (annualized) | +15.40% | +15.55% | |
| 5Y Return (annualized) | +8.82% | +9.61% | |
| Volatility (annualized) | 19.5% | 13.6% | |
| Max Drawdown | -45.9% | -33.4% | |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | Oct 20, 2011 |
FNDA vs SCHD Performance
Schwab Fundamental US Small Company ETF (FNDA) is a ETF from Charles Schwab Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FNDA returned +28.68% while SCHD returned +31.06%. Year to date, FNDA is up 20.68% versus a gain of 25.58% for SCHD.
Over three years, FNDA compounded at +15.40% per year against +15.55% for SCHD; over five years the annualized figures are +8.82% and +9.61% respectively. Across the full 13-year window we track, SCHD has the edge at +11.46% annualized vs +9.75%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNDA has been the more volatile fund, with annualized monthly volatility of 19.5% compared with 13.6% 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 worth weighing if you expect to sell during market stress rather than ride it out.
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 1.10% against 3.31% for SCHD.
Holdings Overlap
FNDA and SCHD share 31 holdings out of 984 unique holdings combined, representing a 1.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $19 per year of difference.
Which performed better, FNDA or SCHD?
Over the past year FNDA returned +28.68% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), FNDA annualized +9.75% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, FNDA or SCHD?
FNDA has been the more volatile fund at 19.5% annualized versus 13.6% 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 combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FNDA and SCHD?
FNDA and SCHD share 31 common holdings with a 1.9% weight overlap. Combined, they hold 984 unique securities.
Which pays a higher dividend, FNDA or SCHD?
FNDA yields 1.10% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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