CAML vs SCHD
CAML vs SCHD
Congress Large Cap Growth 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 | CAML | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $368M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 39 | 104 | |
| YTD Return | +8.41% | +24.26% | |
| 1Y Return | +10.64% | +31.38% | |
| 3Y Return (annualized) | +18.66% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 15.1% | 13.6% | |
| Max Drawdown | -21.1% | -33.4% | |
| Fund Family | Congress Asset Management Company | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Aug 22, 2023 | Oct 20, 2011 |
CAML vs SCHD Performance
Congress Large Cap Growth ETF (CAML) 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 CAML returned +10.64% while SCHD returned +31.38%. Year to date, CAML is up 8.41% versus a gain of 24.26% for SCHD.
Over three years, CAML compounded at +18.66% per year against +15.08% for SCHD. Across the full 3-year window we track, CAML has the edge at +18.66% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CAML has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 13.6% for SCHD. 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 -21.1% for CAML 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 0.38. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CAML charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, CAML currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
CAML and SCHD share 0 holdings out of 138 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, CAML or SCHD?
CAML has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, CAML or SCHD?
Over the past year CAML returned +10.64% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), CAML annualized +18.66% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, CAML or SCHD?
CAML has been the more volatile fund at 15.1% annualized versus 13.6% for SCHD. Worst drawdown: CAML -21.1% vs SCHD -33.4%.
Should I hold both CAML and SCHD?
CAML and SCHD have a monthly-return correlation of 0.38, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CAML and SCHD?
CAML and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 138 unique securities.
Which pays a higher dividend, CAML or SCHD?
CAML yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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