FLCE vs SCHD
FLCE vs SCHD
Frontier Asset US Large Cap 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 | FLCE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.86% | 0.06% | |
| AUM | $80M | $103.7B | |
| Dividend Yield | 0.31% | 3.31% | |
| Holdings | 8 | 104 | |
| YTD Return | +12.17% | +24.26% | |
| 1Y Return | +21.38% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 11.6% | 13.6% | |
| Max Drawdown | -17.5% | -33.4% | |
| Fund Family | Frontier Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 19, 2024 | Oct 20, 2011 |
FLCE vs SCHD Performance
Frontier Asset US Large Cap Equity ETF (FLCE) 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 FLCE returned +21.38% while SCHD returned +31.38%. Year to date, FLCE is up 12.17% 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 11.6% for FLCE. 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 -17.5% for FLCE 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 0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLCE charges 0.86% per year while SCHD charges 0.06%. On a $10,000 position that is $86 vs $6 annually, a gap of $80 per year that compounds over a long holding period. On income, FLCE currently yields 0.31% against 3.31% for SCHD.
Holdings Overlap
FLCE and SCHD share 0 holdings out of 107 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, FLCE or SCHD?
FLCE has an expense ratio of 0.86% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $80 per year of difference.
Which performed better, FLCE or SCHD?
Over the past year FLCE returned +21.38% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), FLCE annualized +16.15% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FLCE or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.6% for FLCE. Worst drawdown: FLCE -17.5% vs SCHD -33.4%.
Should I hold both FLCE and SCHD?
FLCE and SCHD have a monthly-return correlation of 0.30, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLCE and SCHD?
FLCE and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 107 unique securities.
Which pays a higher dividend, FLCE or SCHD?
FLCE yields 0.31% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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