FLXR vs SCHD
FLXR vs SCHD
TCW Flexible Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FLXR offers more diversification with 550 holdings.
Side-by-Side Comparison
| Metric | FLXR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | - | $103.7B | |
| Dividend Yield | 5.81% | 3.31% | |
| Holdings | 1,519 | 104 | |
| YTD Return | +1.35% | +22.69% | |
| 1Y Return | +4.52% | +30.94% | |
| 3Y Return (annualized) | - | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 3.0% | 13.7% | |
| Max Drawdown | -1.9% | -33.4% | |
| Fund Family | TCW ETFs | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jun 24, 2024 | Oct 20, 2011 |
FLXR vs SCHD Performance
TCW Flexible Income ETF (FLXR) is a ETF from TCW ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FLXR returned +4.52% while SCHD returned +30.94%. Year to date, FLXR is up 1.35% versus a gain of 22.69% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 3.0% for FLXR. 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 -1.9% for FLXR 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLXR charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, FLXR currently yields 5.81% against 3.31% for SCHD.
Holdings Overlap
FLXR and SCHD share 1 holdings out of 649 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FLXR | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 0.38% | 0.04% | 0.34% |
Frequently Asked Questions
Which is cheaper, FLXR or SCHD?
FLXR has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, FLXR or SCHD?
Over the past year FLXR returned +4.52% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), FLXR annualized +6.89% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, FLXR or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 3.0% for FLXR. Worst drawdown: FLXR -1.9% vs SCHD -33.4%.
Should I hold both FLXR and SCHD?
FLXR and SCHD have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLXR and SCHD?
FLXR and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 649 unique securities.
Which pays a higher dividend, FLXR or SCHD?
FLXR yields 5.81% while SCHD yields 3.31%, so FLXR currently pays the higher dividend yield.
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