FNDE vs VTI
FNDE vs VTI
Schwab Fundamental Emerging Markets Equity ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. FNDE delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FNDE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $9.6B | $663.5B | |
| Dividend Yield | 3.78% | 1.07% | |
| Holdings | 398 | 3,543 | |
| YTD Return | +13.13% | +13.39% | |
| 1Y Return | +27.90% | +23.21% | |
| 3Y Return (annualized) | +20.09% | +20.65% | |
| 5Y Return (annualized) | +10.68% | +12.18% | |
| Volatility (annualized) | 17.6% | 15.3% | |
| Max Drawdown | -45.4% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 15, 2013 | May 24, 2001 |
FNDE vs VTI Performance
Schwab Fundamental Emerging Markets Equity ETF (FNDE) is a ETF from Charles Schwab Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FNDE returned +27.90% while VTI returned +23.21%. Year to date, FNDE is up 13.13% versus a gain of 13.39% for VTI.
Over three years, FNDE compounded at +20.09% per year against +20.65% for VTI; over five years the annualized figures are +10.68% and +12.18% respectively. Across the full 13-year window we track, VTI has the edge at +8.11% annualized vs +5.87%. 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 15.3% for VTI. 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 -56.6% for VTI. 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 VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, FNDE currently yields 3.78% against 1.07% for VTI.
Holdings Overlap
FNDE and VTI share 1 holdings out of 3147 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 VTI | Difference |
|---|---|---|---|
| MOH | 0.13% | 0.02% | 0.11% |
Frequently Asked Questions
Which is cheaper, FNDE or VTI?
FNDE has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, FNDE or VTI?
Over the past year FNDE returned +27.90% vs +23.21% for VTI, so FNDE leads on 1-year performance. Over the longest common window we track (13 years), FNDE annualized +5.87% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, FNDE or VTI?
FNDE has been the more volatile fund at 17.6% annualized versus 15.3% for VTI. Worst drawdown: FNDE -45.4% vs VTI -56.6%.
Should I hold both FNDE and VTI?
FNDE and VTI 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 VTI?
FNDE and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3147 unique securities.
Which pays a higher dividend, FNDE or VTI?
FNDE yields 3.78% while VTI yields 1.07%, so FNDE currently pays the higher dividend yield.
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