FTIHX vs SCHD
Fidelity Total International Index Fund vs Schwab US Dividend Equity ETF
Which is better, FTIHX or SCHD?
Large Cap Blend against Large Cap Value.
FTIHX led over 3Y, SCHD over 1Y, 5Y and the full window.
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 | FTIHX | SCHD |
|---|---|---|
| Expense Ratio | 0.06%Tie | 0.06%Tie |
| AUM | - | $112.1B |
| Dividend Yield | 2.38% | 3.00% |
| Holdings | 5,059 | 103 |
| YTD Price Return | +13.98% | +23.04%Best |
| 1Y Price Return | +19.37% | +23.09%Best |
| 3Y Price Return (annualized) | +16.42%Best | +11.55% |
| 5Y Price Return (annualized) | +5.79% | +6.03%Best |
| Volatility (annualized) | 15.5% | 15.2%Best |
| Max Drawdown | -31.4% | -18.9%Best |
| $10,000 over 5 years | $13,250 | $13,401Best |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Jun 7, 2016 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Returns are price returns and exclude distributions, because our data feed carries no adjusted close for FTIHX. Both funds are measured the same way, so the comparison holds. FTIHX yields 2.38% and SCHD 3.00% on top.
Volatility and max drawdown are measured over the window both funds cover: Sep 13, 2021 to Sep 10, 2026 (5 years).
FTIHX vs SCHD 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 5 years both funds cover. Prices exclude distributions, on both funds alike.
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 an ETF from Charles Schwab Asset Management. Over the past year FTIHX returned +19.37% while SCHD returned +23.09%. Year to date, FTIHX is up 13.98% versus a gain of 23.04% for SCHD.
Over three years, FTIHX compounded at +16.42% per year against +11.55% for SCHD; over five years the annualized figures are +5.79% and +6.03% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FTIHX has been the more volatile fund, with annualized monthly volatility of 15.5% compared with 15.2% 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 -31.4% for FTIHX and -18.9% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 2.38% against 3.00% for SCHD.
Structure and taxes
FTIHX is a mutual fund and SCHD is an ETF. A mutual fund prices once a day at net asset value and may carry a purchase minimum. An ETF trades through the day at whatever the market pays for it.
In a taxable account the difference that usually matters is distributions. An ETF can meet redemptions in kind, so it rarely has to sell holdings and rarely passes a capital gain to the people who held it; a mutual fund that sells holdings to meet redemptions can distribute a realised gain at year end to everyone still in the fund, whether or not they sold anything themselves. In a tax-deferred account that difference largely disappears. Both are descriptions of how the two wrappers work, not a recommendation.
Tax-loss harvesting works on either wrapper.
Holdings Overlap
At least 2.5% of SCHD's money is in holdings FTIHX also owns.
Stated as a floor: for FTIHX, our book for it covers 94.1% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
SCHD and FTIHX share little of their money.
The two holdings books were reported 212 days apart, FTIHX as of Jan 31, 2026 and SCHD as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 4,981 positions we hold weights for in FTIHX and 100 in SCHD, against full books of 5,059 and 103.
Top Shared Holdings
| Stock | Weight in FTIHX | Weight in SCHD | Difference |
|---|---|---|---|
| QCOMQualcomm Inc. | 0.00% | 2.52% | 2.52% |
You are not choosing between two funds in isolation.
Whichever of FTIHX and SCHD 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, FTIHX or SCHD?
FTIHX has an expense ratio of 0.06% while SCHD charges 0.06%. At the precision these are quoted to, they cost the same.
Which performed better, FTIHX or SCHD?
Over the past year FTIHX returned +19.37% vs +23.09% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FTIHX or SCHD?
FTIHX has been the more volatile fund at 15.5% annualized versus 15.2% for SCHD. Worst drawdown: FTIHX -31.4% vs SCHD -18.9%.
Should I hold both FTIHX and SCHD?
FTIHX and SCHD have a monthly-return correlation of 0.72, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between FTIHX and SCHD?
At least 2.5% of SCHD's money is in holdings FTIHX also owns. Our book for FTIHX is partial, so the real figure is this or higher. They hold 1 positions in common, counted across the 4,981 positions we hold weights for in FTIHX and 100 in SCHD.
Which pays a higher dividend, FTIHX or SCHD?
FTIHX yields 2.38% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is it better to hold FTIHX or SCHD in a taxable account?
SCHD is an ETF and FTIHX is a mutual fund. An ETF can meet redemptions in kind, so it rarely distributes a capital gain to the people holding it. A mutual fund that sells holdings to meet redemptions can pass a realised gain to every holder at year end. In a tax-deferred account that difference largely disappears. This is information, not a recommendation.
Is SCHD better than FTIHX?
FTIHX led over 3Y, SCHD over 1Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.