FNDF vs VTI
Schwab Fundamental International Equity ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FNDF delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FNDF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $24.6B | $663.5B | |
| Dividend Yield | 3.11% | 1.07% | |
| Holdings | 909 | 3,543 | |
| YTD Return | +20.71% | +13.87% | |
| 1Y Return | +38.06% | +23.31% | |
| 3Y Return (annualized) | +23.73% | +21.17% | |
| 5Y Return (annualized) | +14.14% | +12.23% | |
| Volatility (annualized) | 15.6% | 15.3% | |
| Max Drawdown | -44.0% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | May 24, 2001 |
FNDF vs VTI Performance
Schwab Fundamental International Equity ETF (FNDF) is a ETF from Charles Schwab Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FNDF returned +38.06% while VTI returned +23.31%. Year to date, FNDF is up 20.71% versus a gain of 13.87% for VTI.
Over three years, FNDF compounded at +23.73% per year against +21.17% for VTI; over five years the annualized figures are +14.14% and +12.23% respectively. Across the full 13-year window we track, VTI has the edge at +8.13% annualized vs +7.72%. 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 15.3% 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 -56.6% for VTI. 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 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 3.11% against 1.07% for VTI.
Holdings Overlap
FNDF and VTI share 13 holdings out of 3612 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $22 per year of difference.
Which performed better, FNDF or VTI?
Over the past year FNDF returned +38.06% vs +23.31% for VTI, so FNDF leads on 1-year performance. Over the longest common window we track (13 years), FNDF annualized +7.72% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, FNDF or VTI?
FNDF has been the more volatile fund at 15.6% annualized versus 15.3% for VTI. Worst drawdown: FNDF -44.0% vs VTI -56.6%.
Should I hold both FNDF and VTI?
FNDF and VTI 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 VTI?
FNDF and VTI share 13 common holdings with a 0.3% weight overlap. Combined, they hold 3612 unique securities.
Which pays a higher dividend, FNDF or VTI?
FNDF yields 3.11% while VTI yields 1.07%, so FNDF currently pays the higher dividend yield.
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