Schwab Fundamental International Small… (FNDC) Performance
FNDC total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +10.6% since Dec 31, 2025
- 1 year
- +13.8% total return
- 5 years
- +7.5% a year
- 10 years
- +8.2% a year
- Since first price
- +7.7% a year since 2013
FNDC trailing returns vs SPY, QQQ, AGG
| Period | FNDC total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | −2.5% | −2.5% | −1.0% | −5.0% | +0.9% |
| 3 months | +1.2% | +1.2% | +3.2% | +1.9% | −0.4% |
| 6 months | +1.2% | +0.6% | +7.8% | +8.4% | −1.5% |
| YTD | +10.6% | +9.9% | +12.3% | +15.1% | −1.0% |
| 1 year | +13.8% | +9.4% | +14.4% | +15.9% | −1.1% |
| 3 years | +77.7%+21.1%/yr | +60.5% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +43.8%+7.5%/yr | +23.8% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| 10 years | +119.2%+8.2%/yr | +68.0% | +315.9%+15.3%/yr | +538.9%+20.4%/yr | +14.0%+1.3%/yr |
| Since inceptionAug 15, 2013 | +165.5%+7.7%/yr | +96.3% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: FNDC vs SPY
From Aug 15, 2013: FNDC grew to $26,546, SPY to $57,102.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
FNDC returns by calendar year
9 of 12 full years positive. Best 2025 (+35.7%), worst 2018 (−19.1%). 2026 is year to date.
FNDC annual returns table
| Year | FNDC | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +10.6% | −11.2% | +12.3% | +15.1% | −1.0% |
| 2025 | +35.7% | −11.9% | +17.7% | +20.8% | +7.2% |
| 2024 | +1.4% | −9.5% | +24.9% | +25.6% | +1.3% |
| 2023 | +14.9% | −13.0% | +26.2% | +54.9% | +5.7% |
| 2022 | −14.7% | −28.8% | −18.2% | −32.6% | −13.0% |
| 2021 | +10.3% | −10.4% | +28.7% | +27.4% | −1.8% |
| 2020 | +6.6% | −38.6% | +18.3% | +48.6% | +7.5% |
| 2019 | +20.6% | −9.3% | +31.2% | +39.0% | +8.5% |
| 2018 | −19.1% | −27.0% | −4.6% | −0.1% | +0.1% |
| 2017 | +29.2% | −2.8% | +21.7% | +32.7% | +3.6% |
| 2016 | +8.8% | −10.7% | +12.0% | +7.1% | +2.4% |
| 2015 | +4.9% | −13.8% | +1.2% | +9.4% | +0.5% |
| 2014 | −5.1% | −14.6% | +13.5% | +19.2% | +6.0% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
FNDC largest drawdowns
Now 5.2% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Jan 26, 2018 | −43.2% | Mar 23, 2020 | Jan 6, 2021 | 2.2 years | 2.9 years |
| Sep 3, 2021 | −32.1% | Oct 14, 2022 | Sep 19, 2024 | 1.1 years | 3.0 years |
| May 15, 2015 | −18.6% | Feb 11, 2016 | Aug 11, 2016 | 9 months | 1.2 years |
| Jul 3, 2014 | −14.6% | Oct 16, 2014 | May 14, 2015 | 3 months | 10 months |
| Sep 26, 2024 | −12.0% | Apr 7, 2025 | Apr 24, 2025 | 6 months | 7 months |
| Feb 27, 2026 | −11.2% | Mar 20, 2026 | May 6, 2026 | 21 days | 2 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
FNDC risk statistics
| Statistic | 3 years | 5 years | 10 years | Since 2013 |
|---|---|---|---|---|
| Annualized return | +19.7% | +8.4% | +8.3% | +8.1% |
| Volatility (annualized) | 13.6% | 16.4% | 16.4% | 15.4% |
| Sharpe ratio | 1.08 | 0.36 | 0.43 | 0.47 |
| Sortino ratio | 1.83 | 0.53 | 0.62 | 0.70 |
| Best month | +8.1% | +13.1% | +14.1% | +14.1% |
| Worst month | −8.3% | −10.7% | −17.4% | −17.4% |
| Best 12 months | +47.0% | +47.0% | +62.6% | +62.6% |
| Worst 12 months | +1.4% | −28.0% | −28.0% | −28.0% |
| Positive months | 69% | 60% | 62% | 61% |
| Beta vs S&P 500 | 0.65 | 0.76 | 0.86 | — |
| Correlation with S&P 500 | 0.59 | 0.73 | 0.81 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
FNDC rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 147 | −28.0% | +6.9% | +62.6% | 67% |
| 3-year (a year) | 123 | −6.2% | +6.4% | +21.2% | 87% |
| 5-year (a year) | 99 | −2.5% | +5.4% | +11.9% | 96% |
| 10-year (a year) | 39 | +3.4% | +5.5% | +10.3% | 100% |
Every holding period starting at a month-end since 2013. Returns for 3 years and longer are annualized.
FNDC performance overview
Schwab Fundamental International Small… (FNDC) returned +13.8% over the past year and +8.2% a year over ten years, with distributions reinvested. Since its first recorded price in 2013 it has returned +7.7% a year, turning $10,000 into about $26,546. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −43.2%, from Jan 26, 2018 to Mar 23, 2020, and it took 9 months to get back to the old high. FNDC finished 9 of its 12 full calendar years with a gain; the best year was 2025 (+35.7%) and the worst 2018 (−19.1%). Volatility has been 15.4% a year.
Related: FNDC chart, FNDC holdings, FNDC dividends. See the FNDC overview for the latest quote and fund facts.
FNDC performance FAQ
What is the FNDC return over the past year?
FNDC returned +13.8% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 9.4%.
What is the average annual return of FNDC?
FNDC has returned +7.5% a year over 5 years, +8.2% a year over 10 years, +7.7% a year since August 15, 2013 (total return, distributions reinvested).
How much would $10,000 invested in FNDC be worth?
$10,000 invested in FNDC at its first recorded close on August 15, 2013 would be worth about $26,546 on October 23, 2026 with distributions reinvested.
What was the worst year for FNDC?
The worst calendar year was 2018, with a total return of −19.1%. The best was 2025 at +35.7%.
What is the biggest drawdown of FNDC?
The largest peak-to-trough decline was −43.2% between January 26, 2018 and March 23, 2020. It recovered to the old high on January 6, 2021, 9 months after the bottom.
How volatile is FNDC?
Over the past 3 years FNDC had an annualized volatility of 13.6% and a Sharpe ratio of 1.08 (excess return over 1–3 month T-bills per unit of risk).