FNDB vs VTI
Schwab Fundamental US Broad Market ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FNDB delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FNDB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $1.4B | $663.5B | |
| Dividend Yield | 1.46% | 1.07% | |
| Holdings | 1,649 | 3,543 | |
| YTD Return | +18.99% | +13.87% | |
| 1Y Return | +32.45% | +23.31% | |
| 3Y Return (annualized) | +20.07% | +21.17% | |
| 5Y Return (annualized) | +13.36% | +12.23% | |
| Volatility (annualized) | 15.2% | 15.3% | |
| Max Drawdown | -38.2% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | May 24, 2001 |
FNDB vs VTI Performance
Schwab Fundamental US Broad Market ETF (FNDB) is a ETF from Charles Schwab Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FNDB returned +32.45% while VTI returned +23.31%. Year to date, FNDB is up 18.99% versus a gain of 13.87% for VTI.
Over three years, FNDB compounded at +20.07% per year against +21.17% for VTI; over five years the annualized figures are +13.36% and +12.23% respectively. Across the full 13-year window we track, FNDB has the edge at +11.82% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 15.2% for FNDB. 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 -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 0.95. 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 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, FNDB currently yields 1.46% against 1.07% for VTI.
Holdings Overlap
FNDB and VTI share 1284 holdings out of 3126 unique holdings combined, representing a 54.5% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, FNDB or VTI?
FNDB 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, FNDB or VTI?
Over the past year FNDB returned +32.45% vs +23.31% for VTI, so FNDB leads on 1-year performance. Over the longest common window we track (13 years), FNDB annualized +11.82% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, FNDB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 15.2% for FNDB. Worst drawdown: FNDB -38.2% vs VTI -56.6%.
Should I hold both FNDB and VTI?
FNDB and VTI have a monthly-return correlation of 0.95, 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 VTI?
FNDB and VTI share 1284 common holdings with a 54.5% weight overlap. Combined, they hold 3126 unique securities.
Which pays a higher dividend, FNDB or VTI?
FNDB yields 1.46% while VTI yields 1.07%, so FNDB currently pays the higher dividend yield.
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