What do expense ratios mean for these ETFs?

The expense ratio represents the annual operating cost charged to the fund. FNDF has an expense ratio of 0.25%, whereas SCHF has a lower ratio of 0.03%. This means SCHF is 0.22 percentage points cheaper to hold. Lower fees allow more of the gross return to remain in the investor's account. These ratios directly reduce the net return by the specified percentage each year, regardless of market performance. Investors should understand that while the difference appears small, it compounds over time, affecting the total accumulation of wealth in long-term holding periods.

What is the fundamental index methodology used by FNDF?

FNDF, an ETF with an expense ratio of 0.25%, employs a fundamental index methodology. This approach aims for active-like performance while maintaining the efficiency of an ETF structure. Unlike traditional funds that weight holdings solely by market capitalisation, FNDF targets a foreign large value focus. Its methodology uses specific financial metrics rather than standard market-cap weighting. This creates a diversified international equity holding that differs from blended indices, offering a distinct potential pathway to international equity exposure compared to standard market-cap weighted approaches.

Are there any limitations in the data for SCHF?

The index tracked by SCHF is not available in the dataset, limiting transparency regarding the specific benchmark it follows. Additionally, specific sector weights for SCHF are also unavailable. As a Schwab International Equity ETF, its foreign large blend category might exhibit higher correlation to global market movements compared to value strategies. While SCHF operates with an expense ratio of 0.03%, its net assets stand at $68.2 billion. Inception occurred in November 2009, providing a long track record of tracking developed markets despite these transparency issues.

How do the categories of FNDF and SCHF differ?

FNDF belongs to the foreign large value category, targeting companies considered undervalued relative to their fundamental metrics. In contrast, SCHF operates within the foreign large blend category, providing diversified exposure to large international companies across different valuation styles. Both funds are classified as foreign large equity ETFs, but their category assignments reflect differing strategies. FNDF’s specific value tilt contrasts with SCHF’s blended approach, meaning the underlying holdings in each fund likely reflect different market capitalisation ranges and valuation criteria within the international developed markets universe.

What are the top ten shared holdings?

The dataset indicates there are no shared top ten holdings between FNDF and SCHF. This lack of overlap suggests that their underlying portfolios are fundamentally different, driven by their distinct methodologies. While both invest in foreign large equities, the specific companies chosen by each fund do not match in their top positions. Investors comparing these two ETFs should note that while the top ten positions are unique to each fund, it remains unclear if smaller positions overlap. The current top holdings for both funds are simply not available.

What is the dividend yield of FNDF and how does it work?

FNDF offers a dividend yield of 2.96%. As a foreign large value ETF, its distributions are derived from the income generated by the underlying holdings. These dividends reflect the income paid by international companies within its fundamental index methodology. Unlike some structures, ETFs like FNDF pass through dividends to shareholders. While specific distributions can fluctuate, the stated 2.96% yield indicates the current rate of return through dividends. Investors should note that yields are not fixed and the underlying holdings of FNDF are not available for review.

What are the primary goals for investors choosing FNDF?

Investors may select FNDF to achieve potential diversification away from blended international equity indices. With a foreign large value focus, its primary goal is active-like performance. While its expense ratio is higher at 0.25%, its fundamental index methodology appeals to those seeking a different exposure profile. Its substantial net assets of $26.4 billion ensure liquidity. The fund offers a distinct alternative to market-cap weighted funds for those targeting specific valuation metrics. With 2.96% yield, it combines value strategies with international equity exposure for portfolio balance.

What are the primary goals for investors choosing SCHF?

SCHF is typically associated with broad, low-cost international equity exposure. With an expense ratio of 0.03% and a large asset base of $68.2 billion, its primary goal is replicating developed markets efficiently. Investors may choose it for a cost-minimised entry into foreign large blend equities, benefiting from an inception date of November 2009. Its low cost reduces return drag, making it a staple for those targeting long-term wealth accumulation through global diversification without the need for the specific value tilt found in fundamental index methodologies.

What factors should I consider when comparing the two funds?

When comparing FNDF and SCHF, consider FNDF's foreign large value category and its higher 0.25% expense ratio. SCHF offers a foreign large blend approach with a 0.03% expense ratio. While FNDF has a slightly lower dividend yield of 2.96% compared to SCHF's 3.00%, their net assets differ significantly. FNDF holds $26.4 billion while SCHF holds $68.2 billion. Both have no available data for index tracked, top holdings or sector weights. Neither fund shares top holdings, highlighting potential distinct exposures despite both targeting foreign equities.

Why do the two funds have different dividend yields?

FNDF yields 2.96% and SCHF yields 3.00%. Although both are foreign large stock ETFs, their distinct investment styles lead to different yields. FNDF follows a fundamental index methodology focusing on value stocks. SCHF offers a foreign large blend strategy targeting the general market. The yield difference reflects the income generated by these different underlying holdings. While specific top holdings and sector weights are not available for either fund, their varying asset bases and inception dates highlight different market positioning that affects the dividend payouts.

What is the net asset value difference between FNDF and SCHF?

FNDF holds substantial net assets of $26.4 billion. In comparison, SCHF is significantly larger with $68.2 billion in net assets. SCHF's scale supports high liquidity and operational stability. Both funds are managed by Schwab and focus on foreign large equities, yet their asset sizes differ considerably. SCHF benefits from an earlier inception date of November 2009, compared to FNDF's August 2013 launch. These factors contribute to SCHF having greater asset accumulation. Both funds track foreign large equities, and their specific index tracked data is not available.

What is the inception date difference between FNDF and SCHF?

FNDF launched on August 15, 2013, offering a shorter operating history. In contrast, SCHF started earlier, on November 3, 2009, resulting in a longer track record. While FNDF has $26.4 billion in net assets and SCHF has $68.2 billion, the timeline difference means SCHF has experienced more market cycles. Their distinct categories, Foreign Large Value versus Foreign Large Blend, and differing expense ratios—0.25% versus 0.03%—show how investment philosophies have evolved since inception. Both yield around 3% dividends. The data source is Yahoo Finance.

FNDF vs SCHF

Two funds, one decision: we compare cost, performance and what each ETF actually holds in September 2026.

FNDF (Schwab Fundamental International Equity ETF) and SCHF (Schwab International Equity ETF) both target foreign large stocks. This comparison outlines their 0.25% and 0.03% expense ratios, 2.96% and 3.00% dividend yields, and how their distinct index approaches impact portfolio holdings. Educational content, not financial advice.

Fund Snapshot

Key Fund Metrics

FNDF

Metric

SCHF

0.25%

Expense Ratio

0.03%

2.96%

Dividend Yield

3.00%

$26.38B

Net Assets

$68.24B

905

Holdings

1,494

Aug 15, 2013

Inception Date

Nov 3, 2009

–

Index Tracked

–

Foreign Large Value

Fund Category

Foreign Large Blend

SCHF costs about $22.00 less per year for every $10,000 invested.

Shared Top Holdings

These funds do not share any of their top holdings.

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Investment Analysis

FNDF

Pros

FNDF employs a fundamental index methodology, aiming for active-like performance with ETF efficiency.
Its foreign large value focus offers potential diversification away from blended international equity indices.
The fund possesses substantial net assets of $26.4 billion, supporting liquidity and operational stability.

Considerations

With an expense ratio of 0.25%, costs are higher than typical passive international equity ETFs.
Current sector weightings and specific top holdings data are not available in the provided dataset.
The inception date of August 2013 offers a shorter operating history than many established funds.

SCHF

Pros

The expense ratio of 0.03% is exceptionally low, minimising cost drag on investor returns.
With $68.2 billion in net assets, SCHF benefits from high liquidity and scale efficiencies.
Operating since November 2009, the fund has a long track record of tracking developed markets.

Considerations

Top holdings and specific sector weights are currently not available in the provided data source.
Foreign large blend categories may have higher correlation to global market movements than value strategies.
The index tracked is not available in the data, limiting transparency on the specific benchmark.

About FNDF and SCHF

FNDF (FNDF)

The Schwab Fundamental International Equity ETF (FNDF) is a foreign large value fund designed to provide investors with exposure to international markets based on fundamental measures rather than just market capitalisation. By focusing on large non-US companies, it aims to track performance through metrics like cash flow, book value, revenue, and dividends. Launched in August 2013, the fund holds 905 positions and currently manages approximately USD 26.38 billion in assets. With a competitive expense ratio of 0.25% and a dividend yield of 2.96%, it offers a cost-effective way to diversify portfolios globally. Investors should remember that international investments carry currency risk and geopolitical factors, and while the fundamental approach seeks potential long-term value, capital values can fall as well as rise, meaning returns are not guaranteed.

SCHF (SCHF)

The Schwab International Equity ETF (SCHF) is designed to provide broad exposure to developed international markets outside the United States. This fund tracks a market capitalisation-weighted index that includes companies from key regions such as Europe, Japan, Australia, and New Zealand. With a low expense ratio of just 0.03%, it aims to offer a cost-effective way for investors to diversify their portfolios beyond domestic equities. The ETF holds approximately 1,494 companies, capturing large and mid-sized businesses across various sectors. While it offers access to global growth opportunities, investors should remain aware that international stocks can be influenced by currency fluctuations and regional economic conditions. As with all investments, capital is at risk, and past performance does not guarantee future results. This fund is generally suitable for those seeking a balanced approach to international equity exposure.

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FNDF vs SCHF

Fund Snapshot

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Investment Analysis

FNDF

Pros

Considerations

SCHF

Pros

Considerations

About FNDF and SCHF

Buy FNDF or SCHF in Nemo

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6% Interest on Cash

Frequently asked questions

What do expense ratios mean for these ETFs?

What is the fundamental index methodology used by FNDF?

Are there any limitations in the data for SCHF?

How do the categories of FNDF and SCHF differ?

What are the top ten shared holdings?

What is the dividend yield of FNDF and how does it work?

What are the primary goals for investors choosing FNDF?

What are the primary goals for investors choosing SCHF?

What factors should I consider when comparing the two funds?

Why do the two funds have different dividend yields?

What is the net asset value difference between FNDF and SCHF?

What is the inception date difference between FNDF and SCHF?

Fund Snapshot

About FNDF and SCHF

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