FNDF vs IVV
Schwab Fundamental International Equity ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. FNDF delivered stronger 1-year returns. FNDF offers more diversification with 842 holdings.
Side-by-Side Comparison
| Metric | FNDF | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $24.6B | $865.2B | |
| Dividend Yield | 3.11% | 1.09% | |
| Holdings | 909 | 508 | |
| YTD Return | +21.43% | +13.72% | |
| 1Y Return | +37.16% | +21.64% | |
| 3Y Return (annualized) | +23.96% | +21.55% | |
| 5Y Return (annualized) | +14.32% | +13.27% | |
| Volatility (annualized) | 15.6% | 15.1% | |
| Max Drawdown | -44.0% | -56.5% | |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | May 15, 2000 |
FNDF vs IVV Performance
Schwab Fundamental International Equity ETF (FNDF) is a ETF from Charles Schwab Asset Management and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year FNDF returned +37.16% while IVV returned +21.64%. Year to date, FNDF is up 21.43% versus a gain of 13.72% for IVV.
Over three years, FNDF compounded at +23.96% per year against +21.55% for IVV; over five years the annualized figures are +14.32% and +13.27% respectively. Across the full 13-year window we track, FNDF has the edge at +7.76% annualized vs +7.04%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNDF has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 15.1% for IVV. 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 -44.0% for FNDF and -56.5% for IVV. 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FNDF charges 0.25% per year while IVV 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, FNDF currently yields 3.11% against 1.09% for IVV.
Holdings Overlap
FNDF and IVV share 11 holdings out of 1336 unique holdings combined, representing a 0.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FNDF or IVV?
FNDF has an expense ratio of 0.25% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, FNDF or IVV?
Over the past year FNDF returned +37.16% vs +21.64% for IVV, so FNDF leads on 1-year performance. Over the longest common window we track (13 years), FNDF annualized +7.76% vs +7.04% for IVV. Past performance does not guarantee future results.
Which is riskier, FNDF or IVV?
FNDF has been the more volatile fund at 15.6% annualized versus 15.1% for IVV. Worst drawdown: FNDF -44.0% vs IVV -56.5%.
Should I hold both FNDF and IVV?
FNDF and IVV have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FNDF and IVV?
FNDF and IVV share 11 common holdings with a 0.6% weight overlap. Combined, they hold 1336 unique securities.
Which pays a higher dividend, FNDF or IVV?
FNDF yields 3.11% while IVV yields 1.09%, so FNDF currently pays the higher dividend yield.
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