FNDA vs VTI
Schwab Fundamental US Small Company ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FNDA delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FNDA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $9.4B | $666.9B | |
| Dividend Yield | 1.12% | 1.07% | |
| Holdings | 921 | 3,543 | |
| YTD Return | +19.11% | +13.14% | |
| 1Y Return | +27.12% | +22.35% | |
| 3Y Return (annualized) | +16.37% | +21.83% | |
| 5Y Return (annualized) | +8.92% | +12.01% | |
| Volatility (annualized) | 19.5% | 15.3% | |
| Max Drawdown | -45.9% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | May 24, 2001 |
FNDA vs VTI Performance
Schwab Fundamental US Small Company ETF (FNDA) is a ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FNDA returned +27.12% while VTI returned +22.35%. Year to date, FNDA is up 19.11% versus a gain of 13.14% for VTI.
Over three years, FNDA compounded at +16.37% per year against +21.83% for VTI; over five years the annualized figures are +8.92% and +12.01% respectively. Across the full 13-year window we track, FNDA has the edge at +9.62% annualized vs +8.09%. 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 15.3% for VTI. 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 -56.6% for VTI. 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FNDA charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, FNDA currently yields 1.12% against 1.07% for VTI.
Holdings Overlap
FNDA and VTI share 696 holdings out of 3005 unique holdings combined, representing a 3.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FNDA or VTI?
FNDA has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, FNDA or VTI?
Over the past year FNDA returned +27.12% vs +22.35% for VTI, so FNDA leads on 1-year performance. Over the longest common window we track (13 years), FNDA annualized +9.62% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, FNDA or VTI?
FNDA has been the more volatile fund at 19.5% annualized versus 15.3% for VTI. Worst drawdown: FNDA -45.9% vs VTI -56.6%.
Should I hold both FNDA and VTI?
FNDA and VTI have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FNDA and VTI?
FNDA and VTI share 696 common holdings with a 3.8% weight overlap. Combined, they hold 3005 unique securities.
Which pays a higher dividend, FNDA or VTI?
FNDA yields 1.12% while VTI yields 1.07%, so FNDA currently pays the higher dividend yield.
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