AGGH vs SCHD
AGGH vs SCHD
Simplify Aggregate Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | AGGH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $579M | $103.7B | |
| Dividend Yield | 7.51% | 3.31% | |
| Holdings | 11 | 104 | |
| YTD Return | +0.33% | +23.31% | |
| 1Y Return | +3.62% | +30.42% | |
| 3Y Return (annualized) | +4.81% | +14.66% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 7.1% | 13.6% | |
| Max Drawdown | -13.3% | -33.4% | |
| Fund Family | Simplify Exchange Traded Funds | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 14, 2022 | Oct 20, 2011 |
AGGH vs SCHD Performance
Simplify Aggregate Bond ETF (AGGH) is a ETF from Simplify Exchange Traded Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year AGGH returned +3.62% while SCHD returned +30.42%. Year to date, AGGH is up 0.33% versus a gain of 23.31% for SCHD.
Over three years, AGGH compounded at +4.81% per year against +14.66% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.34% annualized vs +2.15%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 7.1% for AGGH. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -13.3% for AGGH and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AGGH charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, AGGH currently yields 7.51% against 3.31% for SCHD.
Holdings Overlap
AGGH and SCHD share 0 holdings out of 102 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, AGGH or SCHD?
AGGH has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, AGGH or SCHD?
Over the past year AGGH returned +3.62% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), AGGH annualized +2.15% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, AGGH or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.1% for AGGH. Worst drawdown: AGGH -13.3% vs SCHD -33.4%.
Should I hold both AGGH and SCHD?
AGGH and SCHD have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AGGH and SCHD?
AGGH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, AGGH or SCHD?
AGGH yields 7.51% while SCHD yields 3.31%, so AGGH currently pays the higher dividend yield.
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