FNDC vs. HAUZ
FNDC (Schwab Fundamental International Small Equity ETF) and HAUZ (Xtrackers International Real Estate ETF) are both exchange-traded funds - FNDC is a Foreign Small & Mid Cap Equities fund tracking the RAFI Fundamental High Liquidity Developed ex US Small Index (Net), while HAUZ is a REIT fund tracking the iSTOXX Developed and Emerging Markets ex USA PK VN Real Estate Index. Both are passively managed. Over the past 10 years, FNDC returned 8.52%/yr vs 3.22%/yr for HAUZ. A 0.67 correlation means they provide meaningful diversification when combined. FNDC charges 0.39%/yr vs 0.10%/yr for HAUZ.
Performance
FNDC vs. HAUZ - Performance Comparison
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Returns By Period
In the year-to-date period, FNDC achieves a 8.75% return, which is significantly higher than HAUZ's -0.35% return. Over the past 10 years, FNDC has outperformed HAUZ with an annualized return of 8.52%, while HAUZ has yielded a comparatively lower 3.22% annualized return.
FNDC
- 1D
- -0.70%
- 1M
- -2.65%
- 6M
- 4.33%
- YTD
- 8.75%
- 1Y
- 19.04%
- 3Y*
- 15.93%
- 5Y*
- 7.53%
- 10Y*
- 8.52%
- ALL TIME*
- 7.65%
HAUZ
- 1D
- -0.35%
- 1M
- 2.65%
- 6M
- -4.19%
- YTD
- -0.35%
- 1Y
- 5.26%
- 3Y*
- 6.95%
- 5Y*
- -0.93%
- 10Y*
- 3.22%
- ALL TIME*
- 3.09%
FNDC vs. HAUZ - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FNDC Schwab Fundamental International Small Equity ETF | 8.75% | 35.65% | 1.38% | 14.92% | -14.71% | 10.26% | 6.58% | 20.58% | -19.10% | 29.22% |
HAUZ Xtrackers International Real Estate ETF | -0.35% | 22.70% | -5.44% | 6.29% | -22.24% | 9.82% | -6.23% | 20.89% | -9.12% | 27.52% |
Correlation
The correlation between FNDC and HAUZ is 0.80, 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 | 0.80 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.81 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.83 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.73 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2013 | 0.67 |
The correlation between FNDC and HAUZ shifts across timeframes, from 0.67 (all time) to 0.83 (5 years), reflecting how their relationship changes across market environments.
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Return for Risk
FNDC vs. HAUZ — Risk / Return Rank
FNDC
HAUZ
FNDC vs. HAUZ - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Fundamental International Small Equity ETF (FNDC) and Xtrackers International Real Estate ETF (HAUZ). 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.
| FNDC | HAUZ | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.91 | ||
| Sortino ratioReturn per unit of downside risk | +1.22 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.08 | +0.16 |
| Calmar ratioReturn relative to maximum drawdown | 1.71 | 0.38 | +1.33 |
| Martin ratioReturn relative to average drawdown | 5.98 | 0.87 | +5.10 |
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Drawdowns
FNDC vs. HAUZ - Drawdown Comparison
The maximum FNDC drawdown since its inception was -43.22%, which is greater than HAUZ's maximum drawdown of -39.51%. Use the drawdown chart below to compare losses from any high point for FNDC and HAUZ.
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Drawdown Indicators
| FNDC | HAUZ | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -43.22% | -39.51% | -3.71% |
Max Drawdown (1Y)Largest decline over 1 year | -11.20% | -14.08% | +2.88% |
Max Drawdown (3Y)Largest decline over 3 years | -12.98% | -17.88% | +4.90% |
Max Drawdown (5Y)Largest decline over 5 years | -32.13% | -34.14% | +2.01% |
Max Drawdown (10Y)Largest decline over 10 years | -43.22% | -39.51% | -3.71% |
Current DrawdownCurrent decline from peak | -4.38% | -9.66% | +5.28% |
Average DrawdownAverage peak-to-trough decline | -8.40% | -11.74% | +3.34% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.19% | 6.05% | -2.86% |
Volatility
FNDC vs. HAUZ - Volatility Comparison
Schwab Fundamental International Small Equity ETF (FNDC) has a higher volatility of 3.72% compared to Xtrackers International Real Estate ETF (HAUZ) at 3.31%. This indicates that FNDC's price experiences larger fluctuations and is considered to be riskier than HAUZ based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FNDC | HAUZ | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.72% | 3.31% | +0.41% |
Volatility (6M)Calculated over the trailing 6-month period | 12.88% | 11.99% | +0.89% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.97% | 14.13% | +0.84% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.03% | 15.95% | +0.08% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.66% | 16.95% | -0.29% |
FNDC vs. HAUZ - Expense Ratio Comparison
FNDC has a 0.39% expense ratio, which is higher than HAUZ's 0.10% expense ratio.
Dividends
FNDC vs. HAUZ - Dividend Comparison
FNDC's dividend yield for the trailing twelve months is around 3.74%, more than HAUZ's 3.57% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FNDC Schwab Fundamental International Small Equity ETF | 3.74% | 3.86% | 3.59% | 2.86% | 1.98% | 2.58% | 1.77% | 2.71% | 2.68% | 1.94% | 1.95% | 1.30% |
HAUZ Xtrackers International Real Estate ETF | 3.57% | 4.46% | 4.50% | 3.50% | 1.99% | 4.84% | 3.37% | 3.69% | 1.93% | 2.59% | 2.18% | 9.42% |
Frequently Asked Questions
FNDC and HAUZ have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FNDC has higher volatility (3.72%) compared to HAUZ (3.31%). In terms of maximum drawdown, FNDC dropped -43.22% vs HAUZ's -39.51%.
On 10-year performance, FNDC leads with 8.52% vs 3.22% for HAUZ. On fees, HAUZ is cheaper at 0.10% per year. On volatility, HAUZ has been the lower-risk option at 3.31%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 10-year period, FNDC has performed better with a 8.52% return vs 3.22%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
HAUZ is cheaper with a 0.10% expense ratio, compared with 0.39% for FNDC.
FNDC has the higher dividend yield at 3.74%, compared with 3.57% for HAUZ.
FNDC is categorized as Foreign Small & Mid Cap Equities, while HAUZ is REIT. FNDC tracks RAFI Fundamental High Liquidity Developed ex US Small Index (Net), while HAUZ tracks iSTOXX Developed and Emerging Markets ex USA PK VN Real Estate Index. They also come from different issuers: Charles Schwab and DWS. Their fees differ too: 0.39% for FNDC and 0.10% for HAUZ.
FNDC currently has the higher Sharpe Ratio (1.28 vs 0.37), 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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