FNDA vs. USRT
FNDA (Schwab Fundamental US Small Co. Index ETF) and USRT (iShares Core U.S. REIT ETF) are both exchange-traded funds - FNDA is a Small Cap Blend Equities fund tracking the Russell RAFI Small Company US, while USRT is a REIT fund tracking the FTSE Nareit Equity REITS 40 Act Capped Index. Both are passively managed. Over the past 10 years, FNDA returned 11.35%/yr vs 6.67%/yr for USRT. A 0.61 correlation means they provide meaningful diversification when combined. FNDA charges 0.25%/yr vs 0.08%/yr for USRT.
Performance
FNDA vs. USRT - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with FNDA having a 18.31% return and USRT slightly lower at 17.79%. Over the past 10 years, FNDA has outperformed USRT with an annualized return of 11.35%, while USRT has yielded a comparatively lower 6.67% annualized return.
FNDA
- 1D
- 0.95%
- 1M
- 6.65%
- YTD
- 18.31%
- 6M
- 15.70%
- 1Y
- 35.41%
- 3Y*
- 15.56%
- 5Y*
- 7.49%
- 10Y*
- 11.35%
USRT
- 1D
- 0.94%
- 1M
- 5.04%
- YTD
- 17.79%
- 6M
- 17.95%
- 1Y
- 20.35%
- 3Y*
- 12.69%
- 5Y*
- 5.06%
- 10Y*
- 6.67%
FNDA vs. USRT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FNDA Schwab Fundamental US Small Co. Index ETF | 18.31% | 7.44% | 9.00% | 20.29% | -14.83% | 31.12% | 8.44% | 24.34% | -12.12% | 12.68% |
USRT iShares Core U.S. REIT ETF | 17.79% | 2.44% | 8.58% | 13.64% | -24.43% | 43.26% | -8.06% | 25.98% | -4.67% | 5.27% |
Correlation
The correlation between FNDA and USRT is 0.57, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.57 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.66 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.69 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.62 |
Correlation (All Time) Calculated using the full available price history since Aug 15, 2013 | 0.61 |
The correlation between FNDA and USRT shifts across timeframes, from 0.57 (1 year) to 0.69 (5 years), reflecting how their relationship changes across market environments.
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Return for Risk
FNDA vs. USRT — Risk / Return Rank
FNDA
USRT
FNDA vs. USRT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Fundamental US Small Co. Index ETF (FNDA) and iShares Core U.S. REIT ETF (USRT). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FNDA | USRT | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.48 | ||
| Sortino ratioReturn per unit of downside risk | +0.73 | ||
| Omega ratioGain probability vs. loss probability | 1.33 | 1.25 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | 3.54 | 2.42 | +1.13 |
| Martin ratioReturn relative to average drawdown | 11.47 | 7.79 | +3.68 |
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Drawdowns
FNDA vs. USRT - Drawdown Comparison
The maximum FNDA drawdown since its inception was -44.64%, smaller than the maximum USRT drawdown of -69.92%. Use the drawdown chart below to compare losses from any high point for FNDA and USRT.
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Drawdown Indicators
| FNDA | USRT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -44.64% | -69.92% | +25.28% |
Max Drawdown (1Y)Largest decline over 1 year | -9.36% | -8.04% | -1.32% |
Max Drawdown (3Y)Largest decline over 3 years | -25.92% | -18.70% | -7.22% |
Max Drawdown (5Y)Largest decline over 5 years | -25.92% | -31.03% | +5.11% |
Max Drawdown (10Y)Largest decline over 10 years | -44.64% | -44.38% | -0.26% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -6.68% | -12.96% | +6.28% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.89% | 2.49% | +0.40% |
Volatility
FNDA vs. USRT - Volatility Comparison
Schwab Fundamental US Small Co. Index ETF (FNDA) has a higher volatility of 5.14% compared to iShares Core U.S. REIT ETF (USRT) at 4.71%. This indicates that FNDA's price experiences larger fluctuations and is considered to be riskier than USRT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FNDA | USRT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.14% | 4.71% | +0.43% |
Volatility (6M)Calculated over the trailing 6-month period | 12.13% | 9.64% | +2.49% |
Volatility (1Y)Calculated over the trailing 1-year period | 17.40% | 13.57% | +3.83% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 20.93% | 18.92% | +2.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 22.39% | 21.30% | +1.09% |
FNDA vs. USRT - Expense Ratio Comparison
FNDA has a 0.25% expense ratio, which is higher than USRT's 0.08% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
FNDA vs. USRT - Dividend Comparison
FNDA's dividend yield for the trailing twelve months is around 1.06%, less than USRT's 2.56% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FNDA Schwab Fundamental US Small Co. Index ETF | 1.06% | 1.22% | 1.53% | 1.37% | 1.38% | 1.15% | 1.31% | 1.38% | 1.64% | 1.30% | 1.18% | 1.33% |
USRT iShares Core U.S. REIT ETF | 2.56% | 3.07% | 2.85% | 3.18% | 3.46% | 2.27% | 3.12% | 3.34% | 5.66% | 3.44% | 3.98% | 3.59% |
Frequently Asked Questions
FNDA and USRT have a correlation of 0.57, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FNDA has higher volatility (5.14%) compared to USRT (4.71%). In terms of maximum drawdown, FNDA dropped -44.64% vs USRT's -69.92%.
On 10-year performance, FNDA leads with 11.35% vs 6.67% for USRT. On fees, USRT is cheaper at 0.08% per year. On volatility, USRT has been the lower-risk option at 4.71%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 10-year period, FNDA has performed better with a 11.35% return vs 6.67%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
USRT is cheaper with a 0.08% expense ratio, compared with 0.25% for FNDA.
USRT has the higher dividend yield at 2.56%, compared with 1.06% for FNDA.
FNDA is categorized as Small Cap Blend Equities, while USRT is REIT. FNDA tracks Russell RAFI Small Company US, while USRT tracks FTSE Nareit Equity REITS 40 Act Capped Index. They also come from different issuers: Charles Schwab and iShares. Their fees differ too: 0.25% for FNDA and 0.08% for USRT.
FNDA currently has the higher Sharpe Ratio (1.91 vs 1.43), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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