AVMA vs SCHD
AVMA vs SCHD
Avantis Moderate Allocation 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 | AVMA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.21% | 0.06% | |
| AUM | $81M | $103.7B | |
| Dividend Yield | 2.02% | 3.31% | |
| Holdings | 19 | 104 | |
| YTD Return | +11.55% | +23.53% | |
| 1Y Return | +20.51% | +30.95% | |
| 3Y Return (annualized) | +14.90% | +14.72% | |
| 5Y Return (annualized) | - | +9.56% | |
| Volatility (annualized) | 9.4% | 13.6% | |
| Max Drawdown | -11.8% | -33.4% | |
| Fund Family | Avantis Investors | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jun 27, 2023 | Oct 20, 2011 |
AVMA vs SCHD Performance
Avantis Moderate Allocation ETF (AVMA) is a ETF from Avantis Investors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year AVMA returned +20.51% while SCHD returned +30.95%. Year to date, AVMA is up 11.55% versus a gain of 23.53% for SCHD.
Over three years, AVMA compounded at +14.90% per year against +14.72% for SCHD. Across the full 3-year window we track, AVMA has the edge at +15.37% annualized vs +11.35%. 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 9.4% for AVMA. 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 -11.8% for AVMA 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
AVMA charges 0.21% per year while SCHD charges 0.06%. On a $10,000 position that is $21 vs $6 annually, a gap of $15 per year that compounds over a long holding period. On income, AVMA currently yields 2.02% against 3.31% for SCHD.
Holdings Overlap
AVMA and SCHD share 0 holdings out of 118 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, AVMA or SCHD?
AVMA has an expense ratio of 0.21% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $15 per year of difference.
Which performed better, AVMA or SCHD?
Over the past year AVMA returned +20.51% vs +30.95% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), AVMA annualized +15.37% vs +11.35% for SCHD. Past performance does not guarantee future results.
Which is riskier, AVMA or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.4% for AVMA. Worst drawdown: AVMA -11.8% vs SCHD -33.4%.
Should I hold both AVMA and SCHD?
AVMA and SCHD have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AVMA and SCHD?
AVMA and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 118 unique securities.
Which pays a higher dividend, AVMA or SCHD?
AVMA yields 2.02% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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