CFIT vs SCHD
CFIT vs SCHD
Cambria Fixed Income Trend 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 | CFIT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $42M | $103.7B | |
| Dividend Yield | 3.86% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +2.94% | +24.08% | |
| 1Y Return | +7.07% | +31.88% | |
| 3Y Return (annualized) | - | +14.92% | |
| 5Y Return (annualized) | - | +9.85% | |
| Volatility (annualized) | 6.7% | 13.6% | |
| Max Drawdown | -5.3% | -33.4% | |
| Fund Family | Cambria Investment Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Mar 28, 2025 | Oct 20, 2011 |
CFIT vs SCHD Performance
Cambria Fixed Income Trend ETF (CFIT) is a ETF from Cambria Investment Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CFIT returned +7.07% while SCHD returned +31.88%. Year to date, CFIT is up 2.94% versus a gain of 24.08% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 6.7% for CFIT. 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 -5.3% for CFIT 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CFIT charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, CFIT currently yields 3.86% against 3.31% for SCHD.
Holdings Overlap
CFIT and SCHD share 0 holdings out of 106 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, CFIT or SCHD?
CFIT has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, CFIT or SCHD?
Over the past year CFIT returned +7.07% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), CFIT annualized +5.23% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, CFIT or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 6.7% for CFIT. Worst drawdown: CFIT -5.3% vs SCHD -33.4%.
Should I hold both CFIT and SCHD?
CFIT and SCHD have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CFIT and SCHD?
CFIT and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 106 unique securities.
Which pays a higher dividend, CFIT or SCHD?
CFIT yields 3.86% while SCHD yields 3.31%, so CFIT currently pays the higher dividend yield.
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