FNDX vs VTI
Schwab Fundamental US Large Company ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FNDX delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | FNDX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $27.6B | $666.9B | |
| Dividend Yield | 1.45% | 1.07% | |
| Holdings | 737 | 3,543 | |
| YTD Return | +19.48% | +13.12% | |
| 1Y Return | +29.18% | +20.82% | |
| 3Y Return (annualized) | +21.38% | +21.43% | |
| 5Y Return (annualized) | +13.81% | +11.84% | |
| Volatility (annualized) | 14.9% | 15.3% | |
| Max Drawdown | -37.7% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | May 24, 2001 |
FNDX vs VTI Performance
Schwab Fundamental US Large Company ETF (FNDX) is a ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FNDX returned +29.18% while VTI returned +20.82%. Year to date, FNDX is up 19.48% versus a gain of 13.12% for VTI.
Over three years, FNDX compounded at +21.38% per year against +21.43% for VTI; over five years the annualized figures are +13.81% and +11.84% respectively. Across the full 13-year window we track, FNDX has the edge at +12.03% annualized vs +8.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.9% for FNDX. 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 -37.7% for FNDX 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FNDX 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, FNDX currently yields 1.45% against 1.07% for VTI.
Holdings Overlap
FNDX and VTI share 623 holdings out of 2899 unique holdings combined, representing a 57.5% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, FNDX or VTI?
FNDX 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, FNDX or VTI?
Over the past year FNDX returned +29.18% vs +20.82% for VTI, so FNDX leads on 1-year performance. Over the longest common window we track (13 years), FNDX annualized +12.03% vs +8.08% for VTI. Past performance does not guarantee future results.
Which is riskier, FNDX or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.9% for FNDX. Worst drawdown: FNDX -37.7% vs VTI -56.6%.
Should I hold both FNDX and VTI?
FNDX and VTI have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between FNDX and VTI?
FNDX and VTI share 623 common holdings with a 57.5% weight overlap. Combined, they hold 2899 unique securities.
Which pays a higher dividend, FNDX or VTI?
FNDX yields 1.45% while VTI yields 1.07%, so FNDX currently pays the higher dividend yield.
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