FFLG vs SCHD
FFLG vs SCHD
Fidelity Fundamental Large Cap 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 | FFLG | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.38% | 0.06% | |
| AUM | $684M | $103.7B | |
| Dividend Yield | 0.13% | 3.31% | |
| Holdings | 102 | 104 | |
| YTD Return | +10.48% | +23.53% | |
| 1Y Return | +19.12% | +30.95% | |
| 3Y Return (annualized) | +24.15% | +14.72% | |
| 5Y Return (annualized) | +9.53% | +9.56% | |
| Volatility (annualized) | 22.3% | 13.6% | |
| Max Drawdown | -44.6% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 2, 2021 | Oct 20, 2011 |
FFLG vs SCHD Performance
Fidelity Fundamental Large Cap Growth ETF (FFLG) is a ETF from Fidelity Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FFLG returned +19.12% while SCHD returned +30.95%. Year to date, FFLG is up 10.48% versus a gain of 23.53% for SCHD.
Over three years, FFLG compounded at +24.15% per year against +14.72% for SCHD; over five years the annualized figures are +9.53% and +9.56% respectively. Across the full 6-year window we track, SCHD has the edge at +11.35% annualized vs +9.64%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FFLG has been the more volatile fund, with annualized monthly volatility of 22.3% 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 -44.6% for FFLG 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FFLG charges 0.38% per year while SCHD charges 0.06%. On a $10,000 position that is $38 vs $6 annually, a gap of $32 per year that compounds over a long holding period. On income, FFLG currently yields 0.13% against 3.31% for SCHD.
Holdings Overlap
FFLG and SCHD share 3 holdings out of 195 unique holdings combined, representing a 0.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FFLG or SCHD?
FFLG has an expense ratio of 0.38% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, FFLG or SCHD?
Over the past year FFLG returned +19.12% vs +30.95% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), FFLG annualized +9.64% vs +11.35% for SCHD. Past performance does not guarantee future results.
Which is riskier, FFLG or SCHD?
FFLG has been the more volatile fund at 22.3% annualized versus 13.6% for SCHD. Worst drawdown: FFLG -44.6% vs SCHD -33.4%.
Should I hold both FFLG and SCHD?
FFLG and SCHD have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FFLG and SCHD?
FFLG and SCHD share 3 common holdings with a 0.4% weight overlap. Combined, they hold 195 unique securities.
Which pays a higher dividend, FFLG or SCHD?
FFLG yields 0.13% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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