FNDF vs VOO
Schwab Fundamental International Equity ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. FNDF delivered stronger 1-year returns. FNDF offers more diversification with 893 holdings.
Side-by-Side Comparison
| Metric | FNDF | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $25.8B | $997.4B | |
| Dividend Yield | 3.01% | 1.08% | |
| Holdings | 893 | 509 | |
| YTD Return | +21.47% | +13.25% | |
| 1Y Return | +35.91% | +19.96% | |
| 3Y Return (annualized) | +23.72% | +21.27% | |
| 5Y Return (annualized) | +14.71% | +12.81% | |
| Volatility (annualized) | 15.6% | 14.1% | |
| Max Drawdown | -44.0% | -34.3% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | Sep 7, 2010 |
FNDF vs VOO Performance
Schwab Fundamental International Equity ETF (FNDF) is a ETF from Charles Schwab Asset Management and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year FNDF returned +35.91% while VOO returned +19.96%. Year to date, FNDF is up 21.47% versus a gain of 13.25% for VOO.
Over three years, FNDF compounded at +23.72% per year against +21.27% for VOO; over five years the annualized figures are +14.71% and +12.81% respectively. Across the full 13-year window we track, VOO has the edge at +13.49% annualized vs +7.74%. 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 14.1% for VOO. 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 -34.3% for VOO. 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 VOO 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 3.01% against 1.08% for VOO.
Holdings Overlap
FNDF and VOO share 8 holdings out of 1369 unique holdings combined, representing a 0.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FNDF or VOO?
FNDF has an expense ratio of 0.25% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, FNDF or VOO?
Over the past year FNDF returned +35.91% vs +19.96% for VOO, so FNDF leads on 1-year performance. Over the longest common window we track (13 years), FNDF annualized +7.74% vs +13.49% for VOO. Past performance does not guarantee future results.
Which is riskier, FNDF or VOO?
FNDF has been the more volatile fund at 15.6% annualized versus 14.1% for VOO. Worst drawdown: FNDF -44.0% vs VOO -34.3%.
Should I hold both FNDF and VOO?
FNDF and VOO 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 VOO?
FNDF and VOO share 8 common holdings with a 0.5% weight overlap. Combined, they hold 1369 unique securities.
Which pays a higher dividend, FNDF or VOO?
FNDF yields 3.01% while VOO yields 1.08%, so FNDF currently pays the higher dividend yield.
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