FNDB vs. VTI

Last updated Jun 24, 2026

FNDB (Schwab Fundamental U.S. Broad Market Index ETF) and VTI (Vanguard Total Stock Market ETF) are both exchange-traded funds - FNDB is a Large Cap Value Equities fund tracking the RAFI Fundamental High Liquidity US All Index, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Both are passively managed. Over the past 10 years, FNDB returned 14.26%/yr vs 15.14%/yr for VTI. Their correlation of 0.91 suggests significant overlap in exposure. FNDB charges 0.25%/yr vs 0.03%/yr for VTI.

Performance

FNDB vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab Fundamental U.S. Broad Market Index ETF (FNDB) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FNDB achieves a 14.40% return, which is significantly higher than VTI's 8.82% return. Over the past 10 years, FNDB has underperformed VTI with an annualized return of 14.26%, while VTI has yielded a comparatively higher 15.14% annualized return.

FNDB

• 1D: -0.46%
• 1M: 0.73%
• YTD: 14.40%
• 6M: 13.78%
• 1Y: 30.50%
• 3Y*: 20.08%
• 5Y*: 12.79%
• 10Y*: 14.26%

VTI

• 1D: -1.39%
• 1M: -0.84%
• YTD: 8.82%
• 6M: 7.71%
• 1Y: 24.22%
• 3Y*: 20.62%
• 5Y*: 11.90%
• 10Y*: 15.14%

*Multi-year figures are annualized to reflect compound growth (CAGR)

FNDB vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FNDB Schwab Fundamental U.S. Broad Market Index ETF	14.40%	16.23%	16.25%	18.42%	-7.53%	31.55%	9.40%	28.88%	-8.20%	16.94%
VTI Vanguard Total Stock Market ETF	8.82%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	30.67%	-5.23%	21.21%

Correlation

The correlation between FNDB and VTI is 0.82, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.82
Correlation (3Y) Calculated over the trailing 3-year period	0.87
Correlation (5Y) Calculated over the trailing 5-year period	0.90
Correlation (10Y) Calculated over the trailing 10-year period	0.90
Correlation (All Time) Calculated using the full available price history since Aug 15, 2013	0.91

The correlation between FNDB and VTI has been stable across timeframes, ranging from 0.82 to 0.91 - a consistent structural relationship.

FNDB vs. VTI - Sectors Allocation Comparison

Sectors	FNDB	VTI
Technology	20.8%	37.0%
Financial Services	12.7%	11.3%
Healthcare	11.9%	9.0%
Industrials	10.0%	9.4%
Energy	9.3%	3.3%
Consumer Cyclical	9.2%	9.7%
Communication Services	8.9%	9.8%
Consumer Defensive	6.9%	4.3%
Basic Materials	3.7%	1.9%
Utilities	3.0%	2.1%
Real Estate	2.2%	2.3%

Return for Risk

FNDB vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FNDB

FNDB Risk / Return Rank: 88
FNDB Sharpe Ratio Rank: 88
FNDB Sortino Ratio Rank: 89
FNDB Omega Ratio Rank: 87
FNDB Calmar Ratio Rank: 87
FNDB Martin Ratio Rank: 88

VTI

VTI Risk / Return Rank: 59
VTI Sharpe Ratio Rank: 58
VTI Sortino Ratio Rank: 56
VTI Omega Ratio Rank: 57
VTI Calmar Ratio Rank: 57
VTI Martin Ratio Rank: 68

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FNDB vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab Fundamental U.S. Broad Market Index ETF (FNDB) and Vanguard Total Stock Market ETF (VTI). 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.

	FNDB	VTI	Difference
Sharpe ratio: Return per unit of total volatility	2.80	1.90	+0.90
Sortino ratio: Return per unit of downside risk	3.89	2.59	+1.30
Omega ratio: Gain probability vs. loss probability	1.51	1.34	+0.17
Calmar ratio: Return relative to maximum drawdown	4.87	2.73	+2.14
Martin ratio: Return relative to average drawdown	18.52	12.14	+6.38

FNDB vs. VTI - Sharpe Ratio Comparison

The current FNDB Sharpe Ratio is 2.80, which is higher than the VTI Sharpe Ratio of 1.90. The chart below compares the historical Sharpe Ratios of FNDB and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

FNDB vs. VTI - Drawdown Comparison

The maximum FNDB drawdown since its inception was -38.17%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for FNDB and VTI.

Drawdown Indicators

	FNDB	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-38.17%	-55.45%	+17.28%
Max Drawdown (1Y) Largest decline over 1 year	-6.29%	-8.92%	+2.63%
Max Drawdown (3Y) Largest decline over 3 years	-16.83%	-19.30%	+2.47%
Max Drawdown (5Y) Largest decline over 5 years	-19.29%	-25.36%	+6.07%
Max Drawdown (10Y) Largest decline over 10 years	-38.17%	-35.00%	-3.17%
Current Drawdown Current decline from peak	-1.46%	-2.85%	+1.39%
Average Drawdown Average peak-to-trough decline	-3.65%	-8.01%	+4.36%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.65%	2.00%	-0.35%

Volatility

FNDB vs. VTI - Volatility Comparison

The current volatility for Schwab Fundamental U.S. Broad Market Index ETF (FNDB) is 3.38%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 4.95%. This indicates that FNDB experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FNDB	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.38%	4.95%	-1.57%
Volatility (6M) Calculated over the trailing 6-month period	7.98%	10.05%	-2.07%
Volatility (1Y) Calculated over the trailing 1-year period	10.96%	12.83%	-1.87%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.35%	17.51%	-2.16%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	17.46%	18.32%	-0.86%

FNDB vs. VTI - Expense Ratio Comparison

FNDB has a 0.25% expense ratio, which is higher than VTI's 0.03% 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

FNDB vs. VTI - Dividend Comparison

FNDB's dividend yield for the trailing twelve months is around 1.44%, more than VTI's 1.04% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FNDB Schwab Fundamental U.S. Broad Market Index ETF	1.44%	1.62%	1.74%	1.80%	1.98%	1.63%	2.15%	2.23%	2.41%	1.91%	2.06%	2.26%
VTI Vanguard Total Stock Market ETF	1.04%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both FNDB and VTI in my portfolio?

FNDB and VTI have a correlation of 0.82, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FNDB or VTI?

VTI has higher volatility (4.95%) compared to FNDB (3.38%). In terms of maximum drawdown, FNDB dropped -38.17% vs VTI's -55.45%.

Which ETF is better, FNDB or VTI?

On 10-year performance, VTI leads with 15.14% vs 14.26% for FNDB. On fees, VTI is cheaper at 0.03% per year. On volatility, FNDB has been the lower-risk option at 3.38%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, FNDB or VTI?

Over the 10-year period, VTI has performed better with a 15.14% return vs 14.26%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, FNDB or VTI?

VTI is cheaper with a 0.03% expense ratio, compared with 0.25% for FNDB.

Which ETF pays a higher dividend yield, FNDB or VTI?

FNDB has the higher dividend yield at 1.44%, compared with 1.04% for VTI.

What is the main difference between FNDB and VTI?

FNDB is categorized as Large Cap Value Equities, while VTI is Large Cap Blend Equities. FNDB tracks RAFI Fundamental High Liquidity US All Index, while VTI tracks CRSP US Total Market Index. They also come from different issuers: Charles Schwab and Vanguard. Their fees differ too: 0.25% for FNDB and 0.03% for VTI.

Which has better risk-adjusted returns?

FNDB currently has the higher Sharpe Ratio (2.80 vs 1.90), 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.