FNDB vs SCHD
Schwab Fundamental US Broad Market ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FNDB offers more diversification with 1627 holdings.
Side-by-Side Comparison
| Metric | FNDB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $1.4B | $103.7B | |
| Dividend Yield | 1.46% | 3.31% | |
| Holdings | 1,649 | 104 | |
| YTD Return | +18.99% | +25.62% | |
| 1Y Return | +32.45% | +32.62% | |
| 3Y Return (annualized) | +20.07% | +15.58% | |
| 5Y Return (annualized) | +13.36% | +9.63% | |
| Volatility (annualized) | 15.2% | 13.6% | |
| Max Drawdown | -38.2% | -33.4% | |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | Oct 20, 2011 |
FNDB vs SCHD Performance
Schwab Fundamental US Broad Market ETF (FNDB) 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 FNDB returned +32.45% while SCHD returned +32.62%. Year to date, FNDB is up 18.99% versus a gain of 25.62% for SCHD.
Over three years, FNDB compounded at +20.07% per year against +15.58% for SCHD; over five years the annualized figures are +13.36% and +9.63% respectively. Across the full 13-year window we track, FNDB has the edge at +11.82% annualized vs +11.47%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNDB has been the more volatile fund, with annualized monthly volatility of 15.2% 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 -38.2% for FNDB 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FNDB 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, FNDB currently yields 1.46% against 3.31% for SCHD.
Holdings Overlap
FNDB and SCHD share 89 holdings out of 1638 unique holdings combined, representing a 14.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FNDB or SCHD?
FNDB 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, FNDB or SCHD?
Over the past year FNDB returned +32.45% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), FNDB annualized +11.82% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, FNDB or SCHD?
FNDB has been the more volatile fund at 15.2% annualized versus 13.6% for SCHD. Worst drawdown: FNDB -38.2% vs SCHD -33.4%.
Should I hold both FNDB and SCHD?
FNDB and SCHD have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between FNDB and SCHD?
FNDB and SCHD share 89 common holdings with a 14.5% weight overlap. Combined, they hold 1638 unique securities.
Which pays a higher dividend, FNDB or SCHD?
FNDB yields 1.46% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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