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VTI▼ −0.4%VOO▼ −0.5%IVV▼ −0.5%SPY▼ −0.5%VXUS▲ +0.3%QQQ▼ −1.4%VUG▼ −1.2%BND▼ −0.3%VEA▲ +0.2%VTV▲ +0.2%VO▲ +0.2%IEFA▲ +0.3%SPYM▼ −0.5%VGT▼ −2.7%VB▲ +0.6%VWO▲ +0.3%IEMG▲ +0.2%AGG▼ −0.2%GLD▲ +1.6%VIG▲ +0.2%XLK▼ −2.9%IJH▲ +0.8%BNDX▼ −0.1%SCHD▲ +0.3%IWF▼ −1.2%SGOV▼ −0.3%IJR▲ +0.8%QQQM▼ −1.4%VT▼ −0.1%RSP▲ +0.8%
Schwab made investors more money ($85.0B). Dimensional had more funds that made money (85%).
The past year, all their funds · Data as of Nov 3, 2026
Tale of the tape
DIMENSIONAL LEADS5of 9 matchups called
- Win %
- Typical return
- International
- Low-cost core
- +1 more
Tale of the tape 1Y · lower fee wins
46Fundsin total34
35–6Made moneymade–lost, 1 year25–8
85%Win %funds that made money76%
$67.4BMoney madefor investors, 1 year$85.0B
+14.6%Typical returnmiddle fund, 1 year+10.0%
1Launchesnew funds in 20261
$500BAssetsmoney invested$623B
$0.23Fee per $100paid each year · lower wins$0.07
SCHWAB LEADS4of 9 matchups called
- Money made
- Fee per $100
- Bonds & cash
- US stocks
Who wins each category · share of its funds that made money · 1Y
Dimensional 3 · Schwab 2Bonds & cash
40%4 of 10
▶46%6 of 13
$39MMADE$18M−0.4%TYPICAL−0.2%DUSB+3.5%BESTSGVT+3.2%Open 25 funds →International100%16 of 16
◀100%6 of 6
$16.2BMADE$18.1B+16.0%TYPICAL+15.2%DFIV+25.0%BESTFNDF+26.8%Opened below ↓US stocks100%12 of 12
▶100%6 of 6
$49.6BMADE$18.5B+18.7%TYPICAL+21.1%DFLV+30.0%BESTFNDX+25.2%Open 21 funds →Low-cost coresmall sample100%1 of 1
◀100%3 of 3
$82MMADE$12.0B+17.7%TYPICAL+11.3%DFVX+17.7%BESTSCHV+22.5%Open 5 funds →Sectorssmall sample100%2 of 2
◀100%1 of 1
$1.4BMADE$1.4B+14.6%TYPICAL+14.3%DFAR+14.6%BESTSCHH+14.3%Open 3 funds →International: Dimensional wins, 100% to 100% of funds made money
Every dot is one international fund, placed at its 1-year return. Right of the line = made money. The ringed dot is the middle fund.
| BOX SCORE · INTERNATIONAL | Dimensional | Schwab |
|---|---|---|
| Funds in the category | 16 | 6 |
| Made money (W–L) | 16–0 | 6–0 |
| Win % | 100% | 100% |
| Money made | $16.2B | $18.1B |
| Typical return | +16.0% | +15.2% |
| Launches · 2026 | 0 | 0 |
| Assets | $110B | $124B |
| Fee per $100 | $0.28 | $0.12 |
The biggest international funds on each side
Dimensional
| Fund | Name | Assets | 1Y |
|---|---|---|---|
| DFIV | Dimensional - International Value ETF | $22.1B | +25.0% ✓ |
| DFAI | Dimensional - International Core Equity Market ETF | $18.2B | +16.0% ✓ |
| DFIC | Dimensional - International Core Equity 2 ETF | $15.3B | +17.0% ✓ |
| DFAX | Dimensional World ex U.S. Core Equity 2 ETF | $12.1B | +15.6% ✓ |
| DFAE | Dimensional - Emerging Core Equity Market ETF | $9.3B | +12.4% ✓ |
| DFEM | Dimensional - Emerging Markets Core Equity 2 ETF | $9.0B | +12.5% ✓ |
Schwab
| Fund | Name | Assets | 1Y |
|---|---|---|---|
| SCHF | Schwab International Equity ETF | $67.7B | +17.5% ✓ |
| FNDF | Schwab Fundamental International Large Company Index ETF | $25.8B | +26.8% ✓ |
| SCHE | Schwab Emerging Markets Equity ETF | $12.1B | +3.8% ✓ |
| FNDE | Schwab Fundamental Emerging Markets Large Company Index ETF | $10.0B | +14.1% ✓ |
| SCHC | Schwab International Small-Cap Equity ETF | $5.5B | +10.0% ✓ |
| FNDC | Schwab Fundamental International Small Company Index ETF | $3.0B | +15.2% ✓ |
Twin funds: Schwab is cheaper in 8 of 9. Dimensional returned more in 4.
Pairs that hold the same market. Fee = per $100 a year. Returns within 0.1 points are a tie; 5-year returns are per year.
CHEAPER1 – 80 tieBETTER 1Y4 – 21 tieBETTER 5Y2 – 00 tie
US stocks · 2
International · 3
Squares, left to right: fee · 1 year · 5 years, coloured by who won. Most gaps come from different index rules, not fees.
The past year. Win % counts funds, not dollars; money made is estimated from each fund’s assets and return. Categories with fewer than 3 funds on a side are flagged. Not advice.