FTIHX vs SCHD
Fidelity Total International Index Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD delivered stronger 1-year returns. FTIHX offers more diversification with 5,059 holdings.
Side-by-Side Comparison
| Metric | FTIHX | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.06% | |
| AUM | - | $108.7B | |
| Dividend Yield | 2.46% | 3.13% | |
| Holdings | 5,059 | 104 | |
| YTD Return | +15.87% | +28.70% | |
| 1Y Return | +23.71% | +32.27% | |
| 3Y Return (annualized) | +17.65% | +17.27% | |
| 5Y Return (annualized) | +6.75% | +10.23% | |
| Volatility (annualized) | 15.6% | 13.7% | |
| Max Drawdown | -32.0% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 7, 2016 | Oct 20, 2011 |
FTIHX vs SCHD Performance
Fidelity Total International Index Fund (FTIHX) is a mutual fund from Fidelity Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FTIHX returned +23.71% while SCHD returned +32.27%. Year to date, FTIHX is up 15.87% versus a gain of 28.70% for SCHD.
Over three years, FTIHX compounded at +17.65% per year against +17.27% for SCHD; over five years the annualized figures are +6.75% and +10.23% respectively. Across the full 5-year window we track, SCHD has the edge at +11.63% annualized vs +6.75%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FTIHX has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 13.7% for SCHD. 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 -32.0% for FTIHX and -33.4% for SCHD. 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FTIHX charges 0.06% per year while SCHD charges 0.06%. On a $10,000 position that is $6 vs $6 annually. On income, FTIHX currently yields 2.46% against 3.13% for SCHD.
Holdings Overlap
FTIHX and SCHD share 1 holdings out of 5080 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FTIHX | Weight in SCHD | Difference |
|---|---|---|---|
| QCOM | 0.00% | 2.55% | 2.55% |
Frequently Asked Questions
Which is cheaper, FTIHX or SCHD?
FTIHX has an expense ratio of 0.06% while SCHD charges 0.06%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, FTIHX or SCHD?
Over the past year FTIHX returned +23.71% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), FTIHX annualized +6.75% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, FTIHX or SCHD?
FTIHX has been the more volatile fund at 15.6% annualized versus 13.7% for SCHD. Worst drawdown: FTIHX -32.0% vs SCHD -33.4%.
Should I hold both FTIHX and SCHD?
FTIHX and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FTIHX and SCHD?
FTIHX and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 5080 unique securities.
Which pays a higher dividend, FTIHX or SCHD?
FTIHX yields 2.46% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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