FNDF vs VTI

AFNDF

BVTI

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$18,637FNDF · SPY $17,118

Lowest cost0.03%VTI · $3 on $10k

Most income3.10%FNDF · $310 on $10k

Smallest drop−8.9%SPY · worst fall in 1Y

Held in common0.3%FNDF and VTI

FNDF

VTI

Schwab Fundamental International Large Company Index ETF · $26.0BVanguard Morningstar Total Stock Market ETF · $689B

+23.6%3 years · per year$18,863 · $18,004+21.7%

+13.3%5 years · per year$18,637 · $16,375+10.4%

0.25%Expense ratio$25 · $3 on $10k · lower wins0.03%

3.10%12-mo yield$310 · $109 on $10k1.09%

−10.6%Worst dropSmaller wins−8.9%

16.6%VolatilityLower wins13.7%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNDF · VTI

0.1%MDT0.2%

0.1%GRMN0.1%

0.0%SW0.0%

0.0%TT0.1%

Held in common0.3%

End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	AFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.10%	−0.9%	+17.4%	+24.6%	+23.6%	+13.3%	−10.6%	$26.0B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
3	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	AFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.10%	−0.9%	+17.4%	+24.6%	+23.6%	+13.3%	−10.6%	$26.0B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
3	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

FNDF vs VTI

FNDF

Schwab Fundamental International Large Company Index

$18,636

VTI

Vanguard Morningstar Total Stock Market

$16,375

MeasureFNDFVTI

Fee0.25%0.03%

Cost on $10k a year$25$3

Yield3.10%1.09%

5 years, per year+13.3%+10.4%

3 years, per year+23.6%+21.7%

Worst drop · 1Y−10.6%−8.9%

Volatility · 1Y16.6%13.7%

3–3measures won
level

0.3%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$92.8B

2–0VTI wins

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

Overlap: FNDF, VTI, SPY

Today

85.5%most shared, VTI and SPY

FNDFVTISPY

FNDF—0.3%0.4%

VTI0.3%—85.5%

SPY0.4%85.5%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$285most kept, FNDF

FNDF$310 − $25 = $285

VTI$109 − $3 = $106

SPY$103 − $9 = $94

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee