GSC vs SCHD
GSC vs SCHD
Goldman Sachs Small Cap Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. GSC delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | GSC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.06% | |
| AUM | $284M | $103.7B | |
| Dividend Yield | 0.13% | 3.31% | |
| Holdings | 99 | 104 | |
| YTD Return | +24.02% | +24.26% | |
| 1Y Return | +34.79% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 18.4% | 13.6% | |
| Max Drawdown | -27.0% | -33.4% | |
| Fund Family | Goldman Sachs Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 3, 2023 | Oct 20, 2011 |
GSC vs SCHD Performance
Goldman Sachs Small Cap Equity ETF (GSC) is a ETF from Goldman Sachs Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GSC returned +34.79% while SCHD returned +31.38%. Year to date, GSC is up 24.02% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
GSC has been the more volatile fund, with annualized monthly volatility of 18.4% 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 -27.0% for GSC 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GSC charges 0.75% per year while SCHD charges 0.06%. On a $10,000 position that is $75 vs $6 annually, a gap of $69 per year that compounds over a long holding period. On income, GSC currently yields 0.13% against 3.31% for SCHD.
Holdings Overlap
GSC and SCHD share 1 holdings out of 196 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in GSC | Weight in SCHD | Difference |
|---|---|---|---|
| COLB | 1.43% | 0.25% | 1.18% |
Frequently Asked Questions
Which is cheaper, GSC or SCHD?
GSC has an expense ratio of 0.75% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, GSC or SCHD?
Over the past year GSC returned +34.79% vs +31.38% for SCHD, so GSC leads on 1-year performance. Over the longest common window we track (3 years), GSC annualized +21.47% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, GSC or SCHD?
GSC has been the more volatile fund at 18.4% annualized versus 13.6% for SCHD. Worst drawdown: GSC -27.0% vs SCHD -33.4%.
Should I hold both GSC and SCHD?
GSC and SCHD have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GSC and SCHD?
GSC and SCHD share 1 common holdings with a 0.3% weight overlap. Combined, they hold 196 unique securities.
Which pays a higher dividend, GSC or SCHD?
GSC yields 0.13% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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