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. FNDF is less concentrated, with 15.3% 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 | FNDF | VTI |
|---|---|---|
| Expense Ratio | 0.25% | 0.03%Best |
| AUM | $25.6B | $690.1B |
| Dividend Yield | 2.94% | 1.03% |
| Holdings | 906 | 3,524 |
| YTD Return | +16.87%Best | +12.51% |
| 1Y Return | +27.62%Best | +15.23% |
| 3Y Return (annualized) | +23.77%Best | +22.50% |
| 5Y Return (annualized) | +13.99%Best | +12.31% |
| Volatility (annualized) | 15.5% | 14.8%Best |
| Max Drawdown | -44.0% | -35.0%Best |
| $10,000 over 5 years | $19,246Best | $17,869 |
| Top 10 Weight | 15.3%Best | 33.3% |
| 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 |
Volatility and max drawdown are measured over the window both funds cover: Aug 15, 2013 to Oct 1, 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 +27.62% while VTI returned +15.23%. Year to date, FNDF is up 16.87% versus a gain of 12.51% for VTI.
Over three years, FNDF compounded at +23.77% per year against +22.50% for VTI; over five years the annualized figures are +13.99% and +12.31% respectively. Across the full 13-year window we track, VTI has the edge at +12.53% annualized vs +7.37%.
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 0.79. 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
0.5% of FNDF's money is in holdings VTI also owns. 0.5% of VTI's money is in holdings FNDF also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
10 positions in common, counted across the 869 positions we hold weights for in FNDF and 3,463 in VTI, against full books of 906 and 3,524.
What only one of them owns
Our book lists 1,144 positions for VTI that do not appear in our book for FNDF (97.0% of the fund), and 17 for FNDF that do not appear in VTI (7.7%).
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 VTI | Difference |
|---|---|---|---|
| MDTMedtronic Plc Ordinary Shares | 0.17% | 0.15% | 0.02% |
| TTTt Trane Technologies Plc | 0.04% | 0.14% | 0.10% |
| GRMNGarminltd. | 0.07% | 0.07% | 0.00% |
| WCN:CAWaste Connections Inc Common Stock Cad 0 | 0.07% | 0.06% | 0.01% |
| APTVAptiv Plc Ordinary Shares | 0.03% | 0.02% | 0.01% |
| ALLEAllegion Plc | 0.02% | 0.02% | 0.00% |
| RIG:SMTransocean Ltd Common Stock | 0.03% | 0.01% | 0.02% |
| LULULululemon Athletica, Inc | 0.01% | 0.02% | 0.01% |
| SGP:AUStockland | 0.03% | 0.00% | 0.03% |
| PRGOPerrigo Company Plc Ordinary Shares | 0.00% | 0.00% | 0.00% |
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 +27.62% vs +15.23% for VTI, so FNDF leads on 1-year performance. Over the longest common window we track (13 years), FNDF annualized +7.37% vs +12.53% 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 0.79, 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, 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. FNDF is less concentrated, with 15.3% 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.