FFDI vs SCHD
FFDI vs SCHD
Fidelity Fundamental Developed International ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | FFDI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.06% | |
| AUM | $20M | $103.7B | |
| Dividend Yield | 1.99% | 3.31% | |
| Holdings | 110 | 104 | |
| YTD Return | +9.37% | +24.26% | |
| 1Y Return | +12.98% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 12.5% | 13.6% | |
| Max Drawdown | -14.4% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 19, 2024 | Oct 20, 2011 |
FFDI vs SCHD Performance
Fidelity Fundamental Developed International ETF (FFDI) is a ETF from Fidelity Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FFDI returned +12.98% while SCHD returned +31.38%. Year to date, FFDI is up 9.37% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.5% for FFDI. 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 -14.4% for FFDI 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 0.29. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FFDI charges 0.55% per year while SCHD charges 0.06%. On a $10,000 position that is $55 vs $6 annually, a gap of $49 per year that compounds over a long holding period. On income, FFDI currently yields 1.99% against 3.31% for SCHD.
Holdings Overlap
FFDI and SCHD share 0 holdings out of 195 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FFDI or SCHD?
FFDI has an expense ratio of 0.55% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, FFDI or SCHD?
Over the past year FFDI returned +12.98% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), FFDI annualized +19.48% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FFDI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.5% for FFDI. Worst drawdown: FFDI -14.4% vs SCHD -33.4%.
Should I hold both FFDI and SCHD?
FFDI and SCHD have a monthly-return correlation of 0.29, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FFDI and SCHD?
FFDI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 195 unique securities.
Which pays a higher dividend, FFDI or SCHD?
FFDI yields 1.99% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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