FINT vs SCHD
FINT vs SCHD
Frontier Asset Total International Equity 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 | FINT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.87% | 0.06% | |
| AUM | $76M | $103.7B | |
| Dividend Yield | 1.88% | 3.31% | |
| Holdings | 9 | 104 | |
| YTD Return | +15.68% | +24.26% | |
| 1Y Return | +28.36% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 10.5% | 13.6% | |
| Max Drawdown | -13.6% | -33.4% | |
| Fund Family | Frontier Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 19, 2024 | Oct 20, 2011 |
FINT vs SCHD Performance
Frontier Asset Total International Equity ETF (FINT) is a ETF from Frontier Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FINT returned +28.36% while SCHD returned +31.38%. Year to date, FINT is up 15.68% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.5% for FINT. 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 -13.6% for FINT 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FINT charges 0.87% per year while SCHD charges 0.06%. On a $10,000 position that is $87 vs $6 annually, a gap of $81 per year that compounds over a long holding period. On income, FINT currently yields 1.88% against 3.31% for SCHD.
Holdings Overlap
FINT and SCHD share 0 holdings out of 108 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, FINT or SCHD?
FINT has an expense ratio of 0.87% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $81 per year of difference.
Which performed better, FINT or SCHD?
Over the past year FINT returned +28.36% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), FINT annualized +28.87% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FINT or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.5% for FINT. Worst drawdown: FINT -13.6% vs SCHD -33.4%.
Should I hold both FINT and SCHD?
FINT and SCHD have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FINT and SCHD?
FINT and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 108 unique securities.
Which pays a higher dividend, FINT or SCHD?
FINT yields 1.88% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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