FNDB vs VTI
Schwab Fundamental US Broad Market ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FNDB or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. FNDB led over 1Y and 5Y, VTI over 3Y and the full window. The two have moved almost in lockstep, correlation 0.95. FNDB is less concentrated, with 19.5% of the fund in its ten largest positions against 33.3%.
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 | FNDB | VTI |
|---|---|---|
| Expense Ratio | 0.25% | 0.03%Best |
| AUM | $1.5B | $666.9B |
| Dividend Yield | 1.41% | 1.03% |
| Holdings | 1,629 | 3,543 |
| YTD Return | +16.89%Best | +13.60% |
| 1Y Return | +23.26%Best | +18.17% |
| 3Y Return (annualized) | +21.25% | +23.04%Best |
| 5Y Return (annualized) | +13.11%Best | +12.14% |
| Volatility (annualized) | 15.2% | 14.8%Best |
| Max Drawdown | -38.2% | -35.0%Best |
| $10,000 over 5 years | $18,514Best | $17,734 |
| Top 10 Weight | 19.5%Best | 33.3% |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Aug 15, 2013 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Aug 15, 2013 to Sep 25, 2026 (13.1 years).
FNDB vs VTI 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.
FNDB vs VTI Performance
Schwab Fundamental US Broad Market ETF (FNDB) is an ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year FNDB returned +23.26% while VTI returned +18.17%. Year to date, FNDB is up 16.89% versus a gain of 13.60% for VTI.
Over three years, FNDB compounded at +21.25% per year against +23.04% for VTI; over five years the annualized figures are +13.11% and +12.14% respectively. Across the full 13-year window we track, VTI has the edge at +12.63% annualized vs +11.55%.
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 14.8% 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 -38.2% for FNDB and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 1.41% against 1.03% for VTI.
Holdings Overlap
97.9% of FNDB's money is in holdings VTI also owns. 94.2% of VTI's money is in holdings FNDB also owns.
Most of FNDB is already inside VTI. Owning both mostly buys the same companies twice.
1,549 positions in common, counted across the 1,622 positions we hold weights for in FNDB and 3,463 in VTI, against full books of 1,629 and 3,543.
What only one of them owns
Our book lists 152 positions for VTI that do not appear in our book for FNDB (3.5% of the fund), and 24 for FNDB that do not appear in VTI (0.6%).
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 FNDB | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 4.16% | 6.29% | 2.13% |
| MSFTMicrosoft Corp | 2.64% | 4.79% | 2.15% |
| NVDANvidia Corp | 0.59% | 6.40% | 5.81% |
| AMZNAmazon.Com Inc | 1.68% | 3.65% | 1.97% |
| GOOGLAlphabet Inc,class A | 1.66% | 2.90% | 1.24% |
| GOOGAlphabet Inc | 1.32% | 2.31% | 0.99% |
| XOMExxon Mobil Corp. | 2.21% | 0.89% | 1.32% |
| AVGOBroadcom Inc | 0.45% | 2.56% | 2.11% |
| JPMJp Morgan Securities Llc | 1.52% | 1.31% | 0.21% |
| METAMeta Platforms Inc | 1.13% | 1.70% | 0.57% |
97.9% of FNDB is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $22 a year on a $10,000 investment.
Which performed better, FNDB or VTI?
Over the past year FNDB returned +23.26% vs +18.17% for VTI, so FNDB leads on 1-year performance. Over the longest common window we track (13 years), FNDB annualized +11.55% vs +12.63% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FNDB or VTI?
FNDB has been the more volatile fund at 15.2% annualized versus 14.8% for VTI. Worst drawdown: FNDB -38.2% vs VTI -35.0%.
Should I hold both FNDB and VTI?
FNDB and VTI have a monthly-return correlation of 0.95, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between FNDB and VTI?
97.9% of FNDB's money is in holdings VTI also owns. 94.2% of VTI's is in holdings FNDB also owns. They hold 1,549 positions in common, counted across the 1,622 positions we hold weights for in FNDB and 3,463 in VTI.
Which pays a higher dividend, FNDB or VTI?
FNDB yields 1.41% while VTI yields 1.03%, so FNDB currently pays the higher dividend yield.
Is VTI better than FNDB?
VTI has a lower expense ratio. FNDB led over 1Y and 5Y, VTI over 3Y and the full window. The two have moved almost in lockstep, correlation 0.95. FNDB is less concentrated, with 19.5% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.