AGGS vs SCHD
AGGS vs SCHD
Harbor Disciplined Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. AGGS offers more diversification with 145 holdings.
Side-by-Side Comparison
| Metric | AGGS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $39M | $103.7B | |
| Dividend Yield | 5.19% | 3.31% | |
| Holdings | 276 | 104 | |
| YTD Return | -0.47% | +23.02% | |
| 1Y Return | +1.85% | +30.75% | |
| 3Y Return (annualized) | - | +14.89% | |
| 5Y Return (annualized) | - | +9.38% | |
| Volatility (annualized) | 4.2% | 13.6% | |
| Max Drawdown | -4.6% | -33.4% | |
| Fund Family | Harbor Funds | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | May 1, 2024 | Oct 20, 2011 |
AGGS vs SCHD Performance
Harbor Disciplined Bond ETF (AGGS) is a ETF from Harbor Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year AGGS returned +1.85% while SCHD returned +30.75%. Year to date, AGGS is down 0.47% versus a gain of 23.02% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.2% for AGGS. 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 -4.6% for AGGS 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
AGGS charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, AGGS currently yields 5.19% against 3.31% for SCHD.
Holdings Overlap
AGGS and SCHD share 0 holdings out of 245 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, AGGS or SCHD?
AGGS has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, AGGS or SCHD?
Over the past year AGGS returned +1.85% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), AGGS annualized +4.87% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, AGGS or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.2% for AGGS. Worst drawdown: AGGS -4.6% vs SCHD -33.4%.
Should I hold both AGGS and SCHD?
AGGS 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 AGGS and SCHD?
AGGS and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 245 unique securities.
Which pays a higher dividend, AGGS or SCHD?
AGGS yields 5.19% while SCHD yields 3.31%, so AGGS currently pays the higher dividend yield.
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