FNDX vs VYM
Schwab Fundamental US Large Company ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. FNDX delivered stronger 1-year returns. FNDX offers more diversification with 737 holdings.
Side-by-Side Comparison
| Metric | FNDX | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.04% | |
| AUM | $27.6B | $81.6B | |
| Dividend Yield | 1.45% | 2.24% | |
| Holdings | 737 | 616 | |
| YTD Return | +19.48% | +15.25% | |
| 1Y Return | +29.18% | +22.18% | |
| 3Y Return (annualized) | +21.38% | +18.83% | |
| 5Y Return (annualized) | +13.81% | +12.09% | |
| Volatility (annualized) | 14.9% | 14.6% | |
| Max Drawdown | -37.7% | -58.8% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | Nov 10, 2006 |
FNDX vs VYM Performance
Schwab Fundamental US Large Company ETF (FNDX) is a ETF from Charles Schwab Asset Management and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year FNDX returned +29.18% while VYM returned +22.18%. Year to date, FNDX is up 19.48% versus a gain of 15.25% for VYM.
Over three years, FNDX compounded at +21.38% per year against +18.83% for VYM; over five years the annualized figures are +13.81% and +12.09% respectively. Across the full 13-year window we track, FNDX has the edge at +12.03% annualized vs +7.03%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNDX has been the more volatile fund, with annualized monthly volatility of 14.9% compared with 14.6% for VYM. 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 -58.8% for VYM. 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 0.97. 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 VYM charges 0.04%. On a $10,000 position that is $25 vs $4 annually, a gap of $21 per year that compounds over a long holding period. On income, FNDX currently yields 1.45% against 2.24% for VYM.
Holdings Overlap
FNDX and VYM share 370 holdings out of 968 unique holdings combined, representing a 50.0% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, FNDX or VYM?
FNDX has an expense ratio of 0.25% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $21 per year of difference.
Which performed better, FNDX or VYM?
Over the past year FNDX returned +29.18% vs +22.18% for VYM, so FNDX leads on 1-year performance. Over the longest common window we track (13 years), FNDX annualized +12.03% vs +7.03% for VYM. Past performance does not guarantee future results.
Which is riskier, FNDX or VYM?
FNDX has been the more volatile fund at 14.9% annualized versus 14.6% for VYM. Worst drawdown: FNDX -37.7% vs VYM -58.8%.
Should I hold both FNDX and VYM?
FNDX and VYM have a monthly-return correlation of 0.97, 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 VYM?
FNDX and VYM share 370 common holdings with a 50.0% weight overlap. Combined, they hold 968 unique securities.
Which pays a higher dividend, FNDX or VYM?
FNDX yields 1.45% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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