Which returned more over the last year, FNDX or USO?

In the year to Oct 28, 2026, with distributions reinvested, FNDX returned +23.9% and USO +133.3%.

Which is cheaper, FNDX or USO?

FNDX is cheaper, by 0.61 percentage points a year. That is about $61 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

FNDX vs USO: Differences, Returns & Fees

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FNDX is an equity index fund and USO a commodity futures fund, and over the year to Oct 28, 2026, USO returned +133.3% against +23.9%.

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Net assets: $27.6bn on Aug 31, 2026 for Schwab Fundamental U.S. Large Company ETF, and $1.9bn on Oct 28, 2026 for United States Oil Fund, LP.

FNDX on its own →USO on its own →

At a glance

+23.9%

FNDX total return, 1 year

+133.3%

USO total return, 1 year

0.25%

FNDX expense ratio

0.86%

USO expense ratio

Pair scorecard

FNDX costs 0.61 points a year less; their one-year returns differ by 109.4 points.

FNDX vs USO: Differences, Returns & Fees
Measure	FNDX	USO
Return
Measure	FNDX	USO
Total return, 1 year	+23.9%	+133.3%
Drawdown
Measure	FNDX	USO
Below its high		82.3%, high on Jul 14, 2008
Benchmark
Measure	FNDX	USO
What it tracks	Fundamental U.S. Large Company	Oil futures
Cost and size
Measure	FNDX	USO
Expense ratio	0.25%	0.86%
Net assets, FNDX as of Aug 31, 2026 and USO as of Oct 28, 2026	$27.6bn	$1.9bn
Holdings
Measure	FNDX	USO
Holdings in common	not published
In the S&P 500, by weight	88%
Top ten holdings, share of the fund	21.0%

Method

Side by side

FNDX Schwab Fundamental U.S. Large Company ETF USO United States Oil Fund, LP

Where it sits Stock ETF Commodity ETF

Issuer Schwab USCF

What it is Tracks an index of Fundamental U.S. Large Company Holds oil futures

Total return, 1 year +23.9% +133.3%

Its benchmark over the same days +13.1% (IWB) not measured

Gap to its benchmark +10.8 pts vs IWB not measured

Expense ratio 0.25% 0.86%

Holdings 731 not counted

Net assets, FNDX as of Aug 31, 2026 and USO as of Oct 28, 2026 $27.6bn $1.9bn

FNDX and USO on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

FNDX

Over the year to Oct 28, 2026 it returned +23.9% with distributions reinvested, against +13.1% for its benchmark, the Russell 1000 Index.

FNDX tracks an index of Fundamental U.S. Large Company. The prospectus expense ratio is 0.25% a year. By its holdings filed for Aug 31, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 731 positions, with the top ten at 21.0%.

USO

USO holds oil futures. Over the year to Oct 28, 2026 it returned +133.3% with distributions reinvested. The prospectus expense ratio is 0.86% a year. It sat 82.3% below its high of Jul 14, 2008 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, FNDX or USO?: In the year to Oct 28, 2026, with distributions reinvested, FNDX returned +23.9% and USO +133.3%.
Which is cheaper, FNDX or USO?: FNDX is cheaper, by 0.61 percentage points a year. That is about $61 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

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Where to next

FNDX on its own →USO on its own →Hold both: look the portfolio through →Rankings →FNDX dividend history →FNDX holdings →Standards and sources →

Sources and dates

FNDX filings on SEC EDGAR ↗

FNDX prospectus with the expense ratio (SEC) ↗

Schwab website ↗

USCF website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

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ETFIQ, FNDX against USO, data as of Oct 28, 2026. https://etfiq.com/compare/any/fndx-vs-uso

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