FNDC vs VTI
Schwab Fundamental International Small Equity ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FNDC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $3.0B | $663.5B | |
| Dividend Yield | 3.72% | 1.07% | |
| Holdings | 1,611 | 3,543 | |
| YTD Return | +13.80% | +13.87% | |
| 1Y Return | +22.24% | +23.31% | |
| 3Y Return (annualized) | +18.69% | +21.17% | |
| 5Y Return (annualized) | +8.25% | +12.23% | |
| Volatility (annualized) | 15.5% | 15.3% | |
| Max Drawdown | -46.2% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | May 24, 2001 |
FNDC vs VTI Performance
Schwab Fundamental International Small Equity ETF (FNDC) 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 FNDC returned +22.24% while VTI returned +23.31%. Year to date, FNDC is up 13.80% versus a gain of 13.87% for VTI.
Over three years, FNDC compounded at +18.69% per year against +21.17% for VTI; over five years the annualized figures are +8.25% and +12.23% respectively. Across the full 13-year window we track, VTI has the edge at +8.13% annualized vs +6.90%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNDC has been the more volatile fund, with annualized monthly volatility of 15.5% 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 -46.2% for FNDC 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FNDC charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, FNDC currently yields 3.72% against 1.07% for VTI.
Holdings Overlap
FNDC and VTI share 8 holdings out of 4107 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FNDC or VTI?
FNDC has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, FNDC or VTI?
Over the past year FNDC returned +22.24% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (13 years), FNDC annualized +6.90% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, FNDC or VTI?
FNDC has been the more volatile fund at 15.5% annualized versus 15.3% for VTI. Worst drawdown: FNDC -46.2% vs VTI -56.6%.
Should I hold both FNDC and VTI?
FNDC and VTI have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FNDC and VTI?
FNDC and VTI share 8 common holdings with a 0.2% weight overlap. Combined, they hold 4107 unique securities.
Which pays a higher dividend, FNDC or VTI?
FNDC yields 3.72% while VTI yields 1.07%, so FNDC currently pays the higher dividend yield.
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