FNDE vs SCHD
FNDE vs SCHD
Schwab Fundamental Emerging Markets Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FNDE offers more diversification with 366 holdings.
Side-by-Side Comparison
| Metric | FNDE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.06% | |
| AUM | $9.6B | $103.7B | |
| Dividend Yield | 3.78% | 3.31% | |
| Holdings | 398 | 104 | |
| YTD Return | +13.26% | +23.31% | |
| 1Y Return | +28.51% | +30.42% | |
| 3Y Return (annualized) | +20.16% | +14.66% | |
| 5Y Return (annualized) | +10.56% | +9.59% | |
| Volatility (annualized) | 17.6% | 13.6% | |
| Max Drawdown | -45.4% | -33.4% | |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | Oct 20, 2011 |
FNDE vs SCHD Performance
Schwab Fundamental Emerging Markets Equity ETF (FNDE) is a ETF from Charles Schwab Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FNDE returned +28.51% while SCHD returned +30.42%. Year to date, FNDE is up 13.26% versus a gain of 23.31% for SCHD.
Over three years, FNDE compounded at +20.16% per year against +14.66% for SCHD; over five years the annualized figures are +10.56% and +9.59% respectively. Across the full 13-year window we track, SCHD has the edge at +11.34% annualized vs +5.88%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FNDE has been the more volatile fund, with annualized monthly volatility of 17.6% compared with 13.6% 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 -45.4% for FNDE 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FNDE charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, FNDE currently yields 3.78% against 3.31% for SCHD.
Holdings Overlap
FNDE and SCHD share 1 holdings out of 465 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 FNDE | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 0.30% | 0.04% | 0.26% |
Frequently Asked Questions
Which is cheaper, FNDE or SCHD?
FNDE has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, FNDE or SCHD?
Over the past year FNDE returned +28.51% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), FNDE annualized +5.88% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, FNDE or SCHD?
FNDE has been the more volatile fund at 17.6% annualized versus 13.6% for SCHD. Worst drawdown: FNDE -45.4% vs SCHD -33.4%.
Should I hold both FNDE and SCHD?
FNDE and SCHD have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FNDE and SCHD?
FNDE and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 465 unique securities.
Which pays a higher dividend, FNDE or SCHD?
FNDE yields 3.78% while SCHD yields 3.31%, so FNDE currently pays the higher dividend yield.
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