Compare · 3 funds side by side · dividends reinvested

FNDF, SPY and VOO

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$19,326FNDF · best of the three

02 / 04

FNDF, SPY and VOO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab Fundamental International Large Company Index ETFInternational · Ex-US broad0.25%2.99%+21.8%+28.6%+25.6%+14.1%−10.6%16.4%$25.9B1.8

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.05%+13.4%+13.5%+24.2%+12.6%−8.9%12.8%$1.00T1.8

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%0.99%+13.3%+13.4%+24.1%+12.6%−8.9%12.9%$805B2.5

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: FNDF 2013 · SPY 1993 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

Schwab Fundamental International Large Company Index ETF · $25.9B$19,326

FNDF

SPY

State Street SPDR S&P 500 ETF · $805B$17,099

$10,000 five years ago, dividends reinvested · they hold 0.4% in common

FNDFMeasureSPY

+21.8%Year to dateJan 1 → Nov 5+13.3%

+28.6%1 yearTotal return+13.4%

+25.6%3 years · per year$10,000 became $19,830 · $19,132+24.1%

+14.1%5 years · per year$10,000 became $19,326 · $18,060+12.6%

0.25%Expense ratio$25 · $9 a year on $10k · lower is better0.09%

2.99%Trailing 12-mo yield$299 · $99 a year on $10k0.99%

−10.6%Worst dropSmaller is better−8.9%

16.4%VolatilityLower is calmer12.9%

FNDFSPY Winner of the row, in its colourEach row: the bigger of the two fills its side

5–3FNDF wins

End-of-day Nov 5, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

FNDF vs SPY: Top 5 Holdings

Today

FNDF

9.5%in top 5

SPY

in top 527.7%

FNDFStockSPY

not top 5AAPL7.7%

not top 5NVDA7.3%

not top 5MSFT6.2%

not top 5AMZN3.9%

2.9%SHEL.Lnot top 5

2.6%005930.Knot top 5

not top 5GOOGL2.6%

1.8%TTE.PAnot top 5

1.1%7203.Tnot top 5

1.0%ROP.SWnot top 5

Held in common0.4%

End-of-day Nov 5, 2026 · share of each fund

FNDF vs SPY Returns, Every Period

SchwabFNDF

+14.1%

5 years, per year

SPYSPDR

+12.6%

5 years, per year

FNDFSPYFaded: behind in that period

4–0FNDF wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

International vs Core: FNDF vs VOO

YTD

SchwabFNDF

+21.8%

VOOVanguard

+13.4%

+21.8%Year to date+13.4%

−10.6%Worst drop · 1Y−8.9%

16.4%Volatility · 1Y12.8%

3.0%Yield1.1%

$25.9BAssets$1.00T

2–2level

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: FNDF, SPY, VOO

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

SPY0.09%$9

FNDF0.25%$25

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: FNDF, SPY, VOO

2.99%highest, FNDF

FundTrailing yieldYield$10k

FNDF2.99%$299

VOO1.05%$105

SPY0.99%$99

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$274most kept, FNDF

FNDF$299 − $25 = $274

VOO$105 − $3 = $102

SPY$99 − $9 = $90

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: FNDF, SPY, VOO

Today

93.5%most shared, SPY and VOO

FNDFSPYVOO

FNDF—0.4%0.4%

SPY0.4%—93.5%

VOO0.4%93.5%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+28.6%FNDF, at 16.4% volatility

VOOWorst drop−8.9%12.8% vol

SPYWorst drop−8.9%12.9% vol

FNDFWorst drop−10.6%16.4% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

FNDFVOO

+21.8%Year to date+13.4%

3.0%Yield1.1%

+28.6%Past year+13.5%

0.25%Fee0.03%

3–1FNDF wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+13.4%

IVViShares

+13.4%

+13.4%Year to date+13.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026