Franklin Income Focus ETF (INCM) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year INCM returned +14.12% while SCHD returned +30.95%. Year to date, INCM is up 7.60% versus a gain of 23.53% for SCHD.

Over three years, INCM compounded at +11.21% per year against +14.72% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.35% annualized vs +10.84%. Past performance does not guarantee future results.

SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 7.2% for INCM. 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 -7.8% for INCM 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 0.87. They usually move together, but the gap leaves some room for diversification.

INCM 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, INCM currently yields 5.04% against 3.31% for SCHD.