DFSU vs SCHD
DFSU vs SCHD
Dimensional US Sustainability Core 1 ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. DFSU offers more diversification with 1872 holdings.
Side-by-Side Comparison
| Metric | DFSU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $2.3B | $103.7B | |
| Dividend Yield | 0.84% | 3.31% | |
| Holdings | 1,883 | 104 | |
| YTD Return | +12.11% | +23.31% | |
| 1Y Return | +22.68% | +30.42% | |
| 3Y Return (annualized) | +19.39% | +14.66% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 13.9% | 13.6% | |
| Max Drawdown | -19.9% | -33.4% | |
| Fund Family | Dimensional | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 1, 2022 | Oct 20, 2011 |
DFSU vs SCHD Performance
Dimensional US Sustainability Core 1 ETF (DFSU) is a ETF from Dimensional and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DFSU returned +22.68% while SCHD returned +30.42%. Year to date, DFSU is up 12.11% versus a gain of 23.31% for SCHD.
Over three years, DFSU compounded at +19.39% per year against +14.66% for SCHD. Across the full 4-year window we track, DFSU has the edge at +20.76% annualized vs +11.34%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DFSU has been the more volatile fund, with annualized monthly volatility of 13.9% 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 -19.9% for DFSU 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DFSU charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, DFSU currently yields 0.84% against 3.31% for SCHD.
Holdings Overlap
DFSU and SCHD share 79 holdings out of 1893 unique holdings combined, representing a 7.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in DFSU | Weight in SCHD | Difference |
|---|---|---|---|
| MRK | 0.58% | 4.32% | 3.74% |
| UNH | 0.34% | 4.54% | 4.20% |
| HD | 0.70% | 4.16% | 3.46% |
| AMGN | Pro | Pro | Pro |
| ABT | Pro | Pro | Pro |
| KO | Pro | Pro | Pro |
| PG | Pro | Pro | Pro |
| VZ | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
| BMY | Pro | Pro | Pro |
See all 10 holdings DFSU shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, DFSU or SCHD?
DFSU has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, DFSU or SCHD?
Over the past year DFSU returned +22.68% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), DFSU annualized +20.76% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, DFSU or SCHD?
DFSU has been the more volatile fund at 13.9% annualized versus 13.6% for SCHD. Worst drawdown: DFSU -19.9% vs SCHD -33.4%.
Should I hold both DFSU and SCHD?
DFSU and SCHD have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DFSU and SCHD?
DFSU and SCHD share 79 common holdings with a 7.6% weight overlap. Combined, they hold 1893 unique securities.
Which pays a higher dividend, DFSU or SCHD?
DFSU yields 0.84% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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