FNDE vs VTI
Schwab Fundamental Emerging Markets Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FNDE or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. FNDE led over 1Y and 3Y, VTI over 5Y and the full window. FNDE is less concentrated, with 26.3% 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 | FNDE | VTI |
|---|---|---|
| Expense Ratio | 0.39% | 0.03%Best |
| AUM | $10.4B | $666.9B |
| Dividend Yield | 3.61% | 1.03% |
| Holdings | 392 | 3,543 |
| YTD Return | +15.39%Best | +12.30% |
| 1Y Return | +22.31%Best | +16.08% |
| 3Y Return (annualized) | +21.83%Best | +21.01% |
| 5Y Return (annualized) | +11.27% | +12.36%Best |
| Volatility (annualized) | 17.6% | 14.8%Best |
| Max Drawdown | -45.4% | -35.0%Best |
| $10,000 over 5 years | $17,057 | $17,908Best |
| Top 10 Weight | 26.3%Best | 33.3% |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | 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 18, 2026 (13.1 years).
FNDE 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.
FNDE vs VTI Performance
Schwab Fundamental Emerging Markets Equity ETF (FNDE) 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 FNDE returned +22.31% while VTI returned +16.08%. Year to date, FNDE is up 15.39% versus a gain of 12.30% for VTI.
Over three years, FNDE compounded at +21.83% per year against +21.01% for VTI; over five years the annualized figures are +11.27% and +12.36% respectively. Across the full 13-year window we track, VTI has the edge at +12.55% annualized vs +5.97%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNDE has been the more volatile fund, with annualized monthly volatility of 17.6% 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 -45.4% for FNDE 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 0.64. They move together some of the time, and apart the rest.
Fees and Cost Over Time
FNDE 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, FNDE currently yields 3.61% against 1.03% for VTI.
Holdings Overlap
0.2% of FNDE's money is in holdings VTI also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 362 positions we hold weights for in FNDE and 3,463 in VTI, against full books of 392 and 3,543.
What only one of them owns
Our book lists 1,149 positions for VTI that do not appear in our book for FNDE (97.4% of the fund), and 10 for FNDE that do not appear in VTI (3.1%).
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 FNDE | Weight in VTI | Difference |
|---|---|---|---|
| MOHMolina Healthcare Inc_None_0 | 0.19% | 0.01% | 0.18% |
You are not choosing between two funds in isolation.
Whichever of FNDE and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FNDE or VTI?
FNDE has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option, by $36 a year on a $10,000 investment.
Which performed better, FNDE or VTI?
Over the past year FNDE returned +22.31% vs +16.08% for VTI, so FNDE leads on 1-year performance. Over the longest common window we track (13 years), FNDE annualized +5.97% vs +12.55% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FNDE or VTI?
FNDE has been the more volatile fund at 17.6% annualized versus 14.8% for VTI. Worst drawdown: FNDE -45.4% vs VTI -35.0%.
Should I hold both FNDE and VTI?
FNDE and VTI have a monthly-return correlation of 0.64, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, FNDE or VTI?
FNDE yields 3.61% while VTI yields 1.03%, so FNDE currently pays the higher dividend yield.
Is VTI better than FNDE?
VTI has a lower expense ratio. FNDE led over 1Y and 3Y, VTI over 5Y and the full window. FNDE is less concentrated, with 26.3% 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.