FNDF vs VOO
Schwab Fundamental International Equity ETF vs Vanguard S&P 500 ETF
Which is better, FNDF or VOO?
Large Cap Value against Large Cap Blend.
VOO has a lower expense ratio. FNDF led over 1Y, 3Y and 5Y, VOO over the full window. FNDF is less concentrated, with 15.0% of the fund in its ten largest positions against 37.6%.
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 | FNDF | VOO |
|---|---|---|
| Expense Ratio | 0.25% | 0.03%Best |
| AUM | $26.2B | $997.4B |
| Dividend Yield | 2.94% | 1.04% |
| Holdings | 906 | 509 |
| YTD Return | +19.92%Best | +12.37% |
| 1Y Return | +31.89%Best | +16.61% |
| 3Y Return (annualized) | +22.65%Best | +21.37% |
| 5Y Return (annualized) | +14.89%Best | +13.49% |
| Volatility (annualized) | 15.6% | 14.4%Best |
| Max Drawdown | -44.0% | -34.3%Best |
| $10,000 over 5 years | $20,018Best | $18,827 |
| Top 10 Weight | 15.0%Best | 37.6% |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Aug 15, 2013 | Sep 7, 2010 |
Volatility and max drawdown are measured over the window both funds cover: Aug 15, 2013 to Sep 18, 2026 (13.1 years).
FNDF vs VOO 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.
FNDF vs VOO Performance
Schwab Fundamental International Equity ETF (FNDF) is an ETF from Charles Schwab Asset Management and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year FNDF returned +31.89% while VOO returned +16.61%. Year to date, FNDF is up 19.92% versus a gain of 12.37% for VOO.
Over three years, FNDF compounded at +22.65% per year against +21.37% for VOO; over five years the annualized figures are +14.89% and +13.49% respectively. Across the full 13-year window we track, VOO has the edge at +13.04% annualized vs +7.60%.
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 14.4% 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 what each fund did in the worst stretch of the window measured above.
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 2.94% against 1.04% for VOO.
Holdings Overlap
1.3% of FNDF's money is in holdings VOO also owns. 0.6% of VOO's money is in holdings FNDF also owns.
FNDF and VOO share little of their money.
8 positions in common, counted across the 868 positions we hold weights for in FNDF and 494 in VOO, against full books of 906 and 509.
What only one of them owns
Our book lists 479 positions for VOO that do not appear in our book for FNDF (98.5% of the fund), and 11 for FNDF that do not appear in VOO (1.4%).
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 FNDF | Weight in VOO | Difference |
|---|---|---|---|
| ROPRoper Technologies Inc. | 0.89% | 0.06% | 0.83% |
| MDTMedtronic Plc Ordinary Shares | 0.17% | 0.17% | 0.00% |
| TTTt Trane Technologies Plc | 0.04% | 0.16% | 0.12% |
| NXPINxp Semiconductors Nv Sedol B505Pn7 | 0.10% | 0.09% | 0.01% |
| GRMNGarminltd. | 0.07% | 0.07% | 0.00% |
| APTVAptiv Plc Ordinary Shares | 0.03% | 0.02% | 0.01% |
| ALLEAllegion Plc | 0.02% | 0.02% | 0.00% |
| LULULululemon Athletica, Inc | 0.02% | 0.02% | 0.00% |
You are not choosing between two funds in isolation.
Whichever of FNDF and VOO 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, FNDF or VOO?
FNDF has an expense ratio of 0.25% while VOO charges 0.03%. VOO is the cheaper option, by $22 a year on a $10,000 investment.
Which performed better, FNDF or VOO?
Over the past year FNDF returned +31.89% vs +16.61% for VOO, so FNDF leads on 1-year performance. Over the longest common window we track (13 years), FNDF annualized +7.60% vs +13.04% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FNDF or VOO?
FNDF has been the more volatile fund at 15.6% annualized versus 14.4% 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 their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between FNDF and VOO?
1.3% of FNDF's money is in holdings VOO also owns. 0.6% of VOO's is in holdings FNDF also owns. They hold 8 positions in common, counted across the 868 positions we hold weights for in FNDF and 494 in VOO.
Which pays a higher dividend, FNDF or VOO?
FNDF yields 2.94% while VOO yields 1.04%, so FNDF currently pays the higher dividend yield.
Is VOO better than FNDF?
VOO has a lower expense ratio. FNDF led over 1Y, 3Y and 5Y, VOO over the full window. FNDF is less concentrated, with 15.0% of the fund in its ten largest positions against 37.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.