CGGR vs SCHD
CGGR vs SCHD
Capital Group 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 | CGGR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.06% | |
| AUM | $23.7B | $103.7B | |
| Dividend Yield | 0.15% | 3.31% | |
| Holdings | 98 | 104 | |
| YTD Return | +0.73% | +22.69% | |
| 1Y Return | +7.64% | +30.94% | |
| 3Y Return (annualized) | +20.06% | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 19.7% | 13.7% | |
| Max Drawdown | -28.9% | -33.4% | |
| Fund Family | Capital Group (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 22, 2022 | Oct 20, 2011 |
CGGR vs SCHD Performance
Capital Group Growth ETF (CGGR) 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 CGGR returned +7.64% while SCHD returned +30.94%. Year to date, CGGR is up 0.73% versus a gain of 22.69% for SCHD.
Over three years, CGGR compounded at +20.06% per year against +14.20% for SCHD. Across the full 4-year window we track, CGGR has the edge at +14.90% annualized vs +11.31%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CGGR has been the more volatile fund, with annualized monthly volatility of 19.7% compared with 13.7% 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 -28.9% for CGGR 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CGGR charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, CGGR currently yields 0.15% against 3.31% for SCHD.
Holdings Overlap
CGGR and SCHD share 3 holdings out of 185 unique holdings combined, representing a 1.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CGGR or SCHD?
CGGR has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, CGGR or SCHD?
Over the past year CGGR returned +7.64% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), CGGR annualized +14.90% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, CGGR or SCHD?
CGGR has been the more volatile fund at 19.7% annualized versus 13.7% for SCHD. Worst drawdown: CGGR -28.9% vs SCHD -33.4%.
Should I hold both CGGR and SCHD?
CGGR and SCHD have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGGR and SCHD?
CGGR and SCHD share 3 common holdings with a 1.9% weight overlap. Combined, they hold 185 unique securities.
Which pays a higher dividend, CGGR or SCHD?
CGGR yields 0.15% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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