CPHY vs SCHD
CPHY vs SCHD
F/m Compoundr High Yield 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 | CPHY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $3M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +0.99% | +24.08% | |
| 1Y Return | +3.34% | +31.88% | |
| 3Y Return (annualized) | - | +14.92% | |
| 5Y Return (annualized) | - | +9.85% | |
| Volatility (annualized) | 2.7% | 13.6% | |
| Max Drawdown | -2.5% | -33.4% | |
| Fund Family | F-m investments | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Aug 12, 2025 | Oct 20, 2011 |
CPHY vs SCHD Performance
F/m Compoundr High Yield Bond ETF (CPHY) is a ETF from F-m investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CPHY returned +3.34% while SCHD returned +31.88%. Year to date, CPHY is up 0.99% 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 2.7% for CPHY. 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 -2.5% for CPHY 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CPHY 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, CPHY currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
CPHY and SCHD share 0 holdings out of 102 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, CPHY or SCHD?
CPHY 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, CPHY or SCHD?
Over the past year CPHY returned +3.34% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, CPHY or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 2.7% for CPHY. Worst drawdown: CPHY -2.5% vs SCHD -33.4%.
Should I hold both CPHY and SCHD?
CPHY and SCHD have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPHY and SCHD?
CPHY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, CPHY or SCHD?
CPHY yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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