CAFX vs SCHD
CAFX vs SCHD
Congress Intermediate 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 | CAFX | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $321M | $103.7B | |
| Dividend Yield | 4.38% | 3.31% | |
| Holdings | 50 | 104 | |
| YTD Return | -0.03% | +22.69% | |
| 1Y Return | +2.52% | +30.94% | |
| 3Y Return (annualized) | - | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 2.6% | 13.7% | |
| Max Drawdown | -2.6% | -33.4% | |
| Fund Family | Congress Asset Management Company | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 9, 2024 | Oct 20, 2011 |
CAFX vs SCHD Performance
Congress Intermediate Bond ETF (CAFX) is a ETF from Congress Asset Management Company and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CAFX returned +2.52% while SCHD returned +30.94%. Year to date, CAFX is down 0.03% versus a gain of 22.69% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 2.6% for CAFX. 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 -2.6% for CAFX 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 0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CAFX 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, CAFX currently yields 4.38% against 3.31% for SCHD.
Holdings Overlap
CAFX and SCHD share 0 holdings out of 140 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, CAFX or SCHD?
CAFX 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, CAFX or SCHD?
Over the past year CAFX returned +2.52% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), CAFX annualized +2.43% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, CAFX or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 2.6% for CAFX. Worst drawdown: CAFX -2.6% vs SCHD -33.4%.
Should I hold both CAFX and SCHD?
CAFX and SCHD have a monthly-return correlation of 0.30, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CAFX and SCHD?
CAFX and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 140 unique securities.
Which pays a higher dividend, CAFX or SCHD?
CAFX yields 4.38% while SCHD yields 3.31%, so CAFX currently pays the higher dividend yield.
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