CGCP vs SCHD
CGCP vs SCHD
Capital Group Core Plus Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. CGCP offers more diversification with 737 holdings.
Side-by-Side Comparison
| Metric | CGCP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.34% | 0.06% | |
| AUM | $8.4B | $103.7B | |
| Dividend Yield | 5.12% | 3.31% | |
| Holdings | 1,462 | 104 | |
| YTD Return | -0.44% | +22.69% | |
| 1Y Return | +3.03% | +30.94% | |
| 3Y Return (annualized) | +4.94% | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 7.0% | 13.7% | |
| Max Drawdown | -15.1% | -33.4% | |
| Fund Family | Capital Group (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 22, 2022 | Oct 20, 2011 |
CGCP vs SCHD Performance
Capital Group Core Plus Income ETF (CGCP) is a ETF from Capital Group (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CGCP returned +3.03% while SCHD returned +30.94%. Year to date, CGCP is down 0.44% versus a gain of 22.69% for SCHD.
Over three years, CGCP compounded at +4.94% per year against +14.20% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.31% annualized vs +1.41%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 7.0% for CGCP. 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 -15.1% for CGCP 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CGCP charges 0.34% per year while SCHD charges 0.06%. On a $10,000 position that is $34 vs $6 annually, a gap of $28 per year that compounds over a long holding period. On income, CGCP currently yields 5.12% against 3.31% for SCHD.
Holdings Overlap
CGCP and SCHD share 0 holdings out of 837 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, CGCP or SCHD?
CGCP has an expense ratio of 0.34% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $28 per year of difference.
Which performed better, CGCP or SCHD?
Over the past year CGCP returned +3.03% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), CGCP annualized +1.41% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, CGCP or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 7.0% for CGCP. Worst drawdown: CGCP -15.1% vs SCHD -33.4%.
Should I hold both CGCP and SCHD?
CGCP and SCHD have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGCP and SCHD?
CGCP and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 837 unique securities.
Which pays a higher dividend, CGCP or SCHD?
CGCP yields 5.12% while SCHD yields 3.31%, so CGCP currently pays the higher dividend yield.
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