FNDF vs. HAUZ
FNDF (Schwab Fundamental International Equity ETF) and HAUZ (Xtrackers International Real Estate ETF) are both exchange-traded funds - FNDF is a Foreign Large Cap Equities fund tracking the RAFI Fundamental High Liquidity Developed ex US Large 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, FNDF returned 12.34%/yr vs 4.01%/yr for HAUZ. A 0.64 correlation means they provide meaningful diversification when combined. FNDF charges 0.25%/yr vs 0.10%/yr for HAUZ.
Performance
FNDF vs. HAUZ - Performance Comparison
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Returns By Period
In the year-to-date period, FNDF achieves a 19.66% return, which is significantly higher than HAUZ's -0.58% return. Over the past 10 years, FNDF has outperformed HAUZ with an annualized return of 12.34%, while HAUZ has yielded a comparatively lower 4.01% annualized return.
FNDF
- 1D
- 0.39%
- 1M
- 2.91%
- YTD
- 19.66%
- 6M
- 21.60%
- 1Y
- 41.60%
- 3Y*
- 22.69%
- 5Y*
- 13.11%
- 10Y*
- 12.34%
HAUZ
- 1D
- 0.56%
- 1M
- -0.62%
- YTD
- -0.58%
- 6M
- 1.03%
- 1Y
- 7.10%
- 3Y*
- 7.69%
- 5Y*
- -1.46%
- 10Y*
- 4.01%
FNDF vs. HAUZ - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FNDF Schwab Fundamental International Equity ETF | 19.66% | 40.99% | 2.29% | 20.22% | -7.78% | 14.97% | 3.61% | 18.46% | -14.21% | 23.98% |
HAUZ Xtrackers International Real Estate ETF | -0.58% | 22.70% | -5.44% | 6.29% | -22.24% | 9.82% | -6.23% | 20.89% | -9.12% | 27.52% |
Correlation
The correlation between FNDF and HAUZ is 0.75, 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 | 0.75 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.77 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.78 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.69 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2013 | 0.64 |
The correlation between FNDF and HAUZ shifts across timeframes, from 0.64 (all time) to 0.78 (5 years), reflecting how their relationship changes across market environments.
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Return for Risk
FNDF vs. HAUZ — Risk / Return Rank
FNDF
HAUZ
FNDF vs. HAUZ - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Fundamental International Equity ETF (FNDF) 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.
| FNDF | HAUZ | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.09 | ||
| Sortino ratioReturn per unit of downside risk | +2.59 | ||
| Omega ratioGain probability vs. loss probability | 1.45 | 1.09 | +0.37 |
| Calmar ratioReturn relative to maximum drawdown | 3.82 | 0.43 | +3.38 |
| Martin ratioReturn relative to average drawdown | 14.27 | 1.21 | +13.06 |
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Drawdowns
FNDF vs. HAUZ - Drawdown Comparison
The maximum FNDF drawdown since its inception was -40.14%, roughly equal to the maximum HAUZ drawdown of -39.51%. Use the drawdown chart below to compare losses from any high point for FNDF and HAUZ.
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Drawdown Indicators
| FNDF | HAUZ | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -40.14% | -39.51% | -0.63% |
Max Drawdown (1Y)Largest decline over 1 year | -10.60% | -14.08% | +3.48% |
Max Drawdown (3Y)Largest decline over 3 years | -13.89% | -17.88% | +3.99% |
Max Drawdown (5Y)Largest decline over 5 years | -25.56% | -34.14% | +8.58% |
Max Drawdown (10Y)Largest decline over 10 years | -40.14% | -39.51% | -0.63% |
Current DrawdownCurrent decline from peak | -1.94% | -9.86% | +7.92% |
Average DrawdownAverage peak-to-trough decline | -7.63% | -11.75% | +4.12% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.84% | 5.04% | -2.20% |
Volatility
FNDF vs. HAUZ - Volatility Comparison
Schwab Fundamental International Equity ETF (FNDF) has a higher volatility of 6.65% compared to Xtrackers International Real Estate ETF (HAUZ) at 4.34%. This indicates that FNDF'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
| FNDF | HAUZ | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.65% | 4.34% | +2.31% |
Volatility (6M)Calculated over the trailing 6-month period | 13.64% | 11.67% | +1.97% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.00% | 14.02% | +1.98% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.35% | 15.97% | +0.38% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 17.71% | 16.97% | +0.74% |
FNDF vs. HAUZ - Expense Ratio Comparison
FNDF has a 0.25% expense ratio, which is higher than HAUZ's 0.10% 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
FNDF vs. HAUZ - Dividend Comparison
FNDF's dividend yield for the trailing twelve months is around 2.87%, less than HAUZ's 4.49% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FNDF Schwab Fundamental International Equity ETF | 2.87% | 3.44% | 4.01% | 3.41% | 3.10% | 3.54% | 2.17% | 3.20% | 3.47% | 2.32% | 2.42% | 2.08% |
HAUZ Xtrackers International Real Estate ETF | 4.49% | 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
FNDF and HAUZ have a correlation of 0.75, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FNDF has higher volatility (6.65%) compared to HAUZ (4.34%). In terms of maximum drawdown, FNDF dropped -40.14% vs HAUZ's -39.51%.
On 10-year performance, FNDF leads with 12.34% vs 4.01% for HAUZ. On fees, HAUZ is cheaper at 0.10% per year. On volatility, HAUZ has been the lower-risk option at 4.34%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 10-year period, FNDF has performed better with a 12.34% return vs 4.01%. 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 0.25% for FNDF.
HAUZ has the higher dividend yield at 4.49%, compared with 2.87% for FNDF.
FNDF is categorized as Foreign Large Cap Equities, while HAUZ is REIT. FNDF tracks RAFI Fundamental High Liquidity Developed ex US Large 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: 0.25% for FNDF and 0.10% for HAUZ.
FNDF currently has the higher Sharpe Ratio (2.53 vs 0.44), 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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