Schwab Fundamental U.S. Large Company Index Fund Returns Calculator
Calculate historical returns and project future compounding for Schwab Fundamental Large Co (SFLNX). Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Large Value / Blend (US)
AUM
$13.47 Billion
Expense Ratio
0.25%
Fund Manager
Schwab Asset Management
Schwab Fundamental Large Co (SFLNX) Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 21.3% CAGR | 5 Years @ 14.1% CAGR | 10 Years @ 14.2% CAGR |
|---|---|---|---|
| $100/mo | $5,072 Invested: $3,600 | $8,740 Invested: $6,000 | $26,450 Invested: $12,000 |
| $250/mo | $12,680 Invested: $9,000 | $21,849 Invested: $15,000 | $66,125 Invested: $30,000 |
| $500/mo | $25,360 Invested: $18,000 | $43,698 Invested: $30,000 | $132,250 Invested: $60,000 |
| $1,000/mo | $50,720 Invested: $36,000 | $87,396 Invested: $60,000 | $264,500 Invested: $120,000 |
| $2,500/mo | $126,801 Invested: $90,000 | $218,490 Invested: $150,000 | $661,251 Invested: $300,000 |
* Projections calculated using actual historical 3-year (21.34%), 5-year (14.08%), and 10-year (14.15%) performance data. Actual mutual fund returns fluctuate with market NAV.
About Schwab Fundamental U.S. Large Company Index Fund
Schwab Fundamental U.S. Large Company Index Fund (SFLNX) tracks the Research Affiliates Fundamental Index (RAFI), weighting companies by fundamental economic footprint—sales, cash flow, dividends, and buybacks—rather than market capitalization.
Investment Strategy
RAFI Fundamental Indexing — Weights large-cap US corporations according to four fundamental accounting metrics: 5-year average adjusted sales, 5-year average cash flow, 5-year total dividends + share repurchases, and latest book value. Automatically buys low and sells high during annual rebalancing.
Key Facts
- Pioneered by Research Affiliates (Rob Arnott) Fundamental Index methodology
- Weights companies by 5-year cash flow, sales, dividends, and book value
- Over $13.6 Billion in assets under management
- Disciplined annual rebalancing trims overvalued stocks and adds to undervalued cash generators
Historical Returns
3-Year CAGR
21.34%
5-Year CAGR
14.08%
10-Year CAGR
14.15%
Benchmark
Russell RAFI US Large Company Index
Historical annualized returns as of August 2026. Fundamental indexing carries factor risks.
Top Holdings & Sector Allocation
As of September 2026, Schwab Fundamental Large Co (SFLNX)'s portfolio includes:
Top 5 Holdings
- Berkshire Hathaway (BRK.B)
- JPMorgan Chase & Co. (JPM)
- Exxon Mobil Corp. (XOM)
- Apple Inc. (AAPL)
- Microsoft Corp. (MSFT)
- Chevron Corp. (CVX)
Sector Allocation
Financials 21.5%, Information Technology 16.8%, Healthcare 13.5%, Consumer Discretionary 12.4%, Energy 11.8%, Industrials 10.2%, Others 13.8%
Risk & Drawdowns
Standard deviation is ~14.6% offering disciplined fundamental value characteristics.
Showed remarkable relative resilience during the 2022 tech valuation correction.
Tax Treatment
Annual rebalancing may generate capital gain distributions in taxable mutual fund accounts. Highly suitable for IRAs and 401(k)s.
Who Should NOT Invest in Schwab Fundamental Large Co (SFLNX)?
Investors seeking pure market-cap benchmark tracking with zero active factor tilts.
About the Fund Manager
Sub-advised by Charles Schwab Asset Management in partnership with Research Affiliates.
Who Is This Fund Suitable For?
Ideal for value-oriented accumulators seeking a disciplined accounting-based alternative to market-cap indexing that systematically avoids paying inflated prices for overhyped stocks.
More Funds from Schwab & Similar Schemes
Similar Funds to Consider
- Invesco S&P 500 Revenue ETF (RWL)
- Schwab U.S. Large-Cap Value ETF (SCHV)
- Avantis U.S. Large Cap Value ETF (AVLV)
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for Schwab Fundamental Large Co (SFLNX) Investors
- FIRE Calculator — Plan your retirement corpus with Schwab Fundamental Large Co (SFLNX) as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in Schwab Fundamental Large Co (SFLNX) could cost you
- SIP vs EMI Calculator — Compare investing in Schwab Fundamental Large Co (SFLNX) vs paying off loans
Frequently Asked Questions About Schwab Fundamental Large Co (SFLNX)
What is the historical SIP return of Schwab Fundamental Large Co (SFLNX)?
Based on the latest data, Schwab Fundamental Large Co (SFLNX) has delivered an annualized return (CAGR) of 21.34% over 3 years, 14.08% over 5 years, and 14.15% over 10 years. Showed remarkable relative resilience during the 2022 tech valuation correction.
How is Schwab Fundamental Large Co (SFLNX) SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would $500 monthly SIP in Schwab Fundamental Large Co (SFLNX) generate over 5 years?
At an estimated annual return rate of 14.08%, a monthly $500 investment ($30,000 total invested) would grow to approximately $43,698 in 5 years, yielding an estimated wealth gain of $13,698. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Schwab Fundamental Large Co (SFLNX)?
Schwab Fundamental Large Co (SFLNX)'s top holdings include Berkshire Hathaway (BRK.B), JPMorgan Chase & Co. (JPM), Exxon Mobil Corp. (XOM), and Apple Inc. (AAPL). The fund's sector allocation is Financials 21.5%, Information Technology 16.8%, Healthcare 13.5%, Consumer Discretionary 12.4%, Energy 11.8%, Industrials 10.2%, Others 13.8%.
What is the risk profile of Schwab Fundamental Large Co (SFLNX)?
Standard deviation is ~14.6% offering disciplined fundamental value characteristics. This fund may not be suitable for investors seeking pure market-cap benchmark tracking with zero active factor tilts..
What are the tax implications of investing in Schwab Fundamental Large Co (SFLNX)?
Annual rebalancing may generate capital gain distributions in taxable mutual fund accounts. Highly suitable for IRAs and 401(k)s.
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
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