FNDF vs VTI
Schwab Fundamental International Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FNDF or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. FNDF led over 1Y, 3Y and 5Y, VTI over the full window.
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 | VTI |
|---|---|---|
| Expense Ratio | 0.25% | 0.03%Best |
| AUM | $26.2B | $666.9B |
| Dividend Yield | 2.94% | 1.03% |
| Holdings | 906 | 3,543 |
| YTD Return | +22.35%Best | +12.34% |
| 1Y Return | +36.12%Best | +18.37% |
| 3Y Return (annualized) | +24.01%Best | +20.62% |
| 5Y Return (annualized) | +14.69%Best | +11.68% |
| Volatility (annualized) | 15.5% | 14.8%Best |
| Max Drawdown | -44.0% | -35.0%Best |
| $10,000 over 5 years | $19,844Best | $17,373 |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Aug 15, 2013 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Aug 15, 2013 to Sep 9, 2026 (13.1 years).
FNDF 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.
FNDF vs VTI Performance
Schwab Fundamental International Equity ETF (FNDF) 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 FNDF returned +36.12% while VTI returned +18.37%. Year to date, FNDF is up 22.35% versus a gain of 12.34% for VTI.
Over three years, FNDF compounded at +24.01% per year against +20.62% for VTI; over five years the annualized figures are +14.69% and +11.68% respectively. Across the full 13-year window we track, VTI has the edge at +12.58% annualized vs +7.78%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNDF has been the more volatile fund, with annualized monthly volatility of 15.5% 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 -44.0% for FNDF 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FNDF charges 0.25% per year while VTI 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 1.03% for VTI.
Holdings Overlap
At least 1.4% of FNDF's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
FNDF and VTI share little of their money.
10 positions in common, counted across the 872 positions we hold weights for in FNDF and 2,787 in VTI, against full books of 906 and 3,543.
Top Shared Holdings
| Stock | Weight in FNDF | Weight in VTI | Difference |
|---|---|---|---|
| ROPRoper Technologies Inc. | 0.92% | 0.05% | 0.87% |
| MDTMedtronic Plc Ordinary Shares | 0.16% | 0.14% | 0.02% |
| TTTt Trane Technologies Plc | 0.05% | 0.15% | 0.10% |
| WCN:CAWaste Connections Inc Common Stock Cad 0 | 0.07% | 0.06% | 0.01% |
| GRMNGarminltd. | 0.06% | 0.05% | 0.01% |
| LULU:CALululemon Athletica Inc. | 0.05% | 0.02% | 0.03% |
| APTVAptiv Plc Ordinary Shares | 0.05% | 0.02% | 0.03% |
| ALLEAllegion Plc | 0.01% | 0.02% | 0.01% |
| SGP:AUStockland Corp. Ltd. | 0.02% | 0.00% | 0.02% |
| PRGOPerrigo Company Plc Ordinary Shares | 0.01% | 0.00% | 0.01% |
You are not choosing between two funds in isolation.
Whichever of FNDF 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, FNDF or VTI?
FNDF has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option, by $22 a year on a $10,000 investment.
Which performed better, FNDF or VTI?
Over the past year FNDF returned +36.12% vs +18.37% for VTI, so FNDF leads on 1-year performance. Over the longest common window we track (13 years), FNDF annualized +7.78% vs +12.58% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FNDF or VTI?
FNDF has been the more volatile fund at 15.5% annualized versus 14.8% for VTI. Worst drawdown: FNDF -44.0% vs VTI -35.0%.
Should I hold both FNDF and VTI?
FNDF and VTI 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 VTI?
At least 1.4% of FNDF's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 10 positions in common, counted across the 872 positions we hold weights for in FNDF and 2,787 in VTI.
Which pays a higher dividend, FNDF or VTI?
FNDF yields 2.94% while VTI yields 1.03%, so FNDF currently pays the higher dividend yield.
Is VTI better than FNDF?
VTI has a lower expense ratio. FNDF led over 1Y, 3Y and 5Y, VTI over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.