DYFI vs SCHD
DYFI vs SCHD
IDX Dynamic Fixed Income 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 | DYFI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.12% | 0.06% | |
| AUM | $56M | $103.7B | |
| Dividend Yield | 4.61% | 3.31% | |
| Holdings | 17 | 104 | |
| YTD Return | +0.22% | +23.31% | |
| 1Y Return | +2.25% | +30.42% | |
| 3Y Return (annualized) | - | +14.66% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 3.0% | 13.6% | |
| Max Drawdown | -4.5% | -33.4% | |
| Fund Family | IDX Funds | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 10, 2024 | Oct 20, 2011 |
DYFI vs SCHD Performance
IDX Dynamic Fixed Income ETF (DYFI) is a ETF from IDX Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DYFI returned +2.25% while SCHD returned +30.42%. Year to date, DYFI is up 0.22% versus a gain of 23.31% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.0% for DYFI. 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 -4.5% for DYFI 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DYFI charges 1.12% per year while SCHD charges 0.06%. On a $10,000 position that is $112 vs $6 annually, a gap of $106 per year that compounds over a long holding period. On income, DYFI currently yields 4.61% against 3.31% for SCHD.
Holdings Overlap
DYFI and SCHD share 0 holdings out of 111 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, DYFI or SCHD?
DYFI has an expense ratio of 1.12% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $106 per year of difference.
Which performed better, DYFI or SCHD?
Over the past year DYFI returned +2.25% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), DYFI annualized +1.13% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, DYFI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 3.0% for DYFI. Worst drawdown: DYFI -4.5% vs SCHD -33.4%.
Should I hold both DYFI and SCHD?
DYFI and SCHD have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DYFI and SCHD?
DYFI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 111 unique securities.
Which pays a higher dividend, DYFI or SCHD?
DYFI yields 4.61% while SCHD yields 3.31%, so DYFI currently pays the higher dividend yield.
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