INFO vs SCHD
INFO vs SCHD
Harbor PanAgora Dynamic Large Cap Core ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. INFO offers more diversification with 146 holdings.
Side-by-Side Comparison
| Metric | INFO | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $830M | $103.7B | |
| Dividend Yield | 0.32% | 3.31% | |
| Holdings | 131 | 104 | |
| YTD Return | +13.69% | +23.02% | |
| 1Y Return | +25.33% | +30.75% | |
| 3Y Return (annualized) | - | +14.89% | |
| 5Y Return (annualized) | - | +9.38% | |
| Volatility (annualized) | 13.3% | 13.6% | |
| Max Drawdown | -19.6% | -33.4% | |
| Fund Family | Harbor Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 8, 2024 | Oct 20, 2011 |
INFO vs SCHD Performance
Harbor PanAgora Dynamic Large Cap Core ETF (INFO) is a ETF from Harbor Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year INFO returned +25.33% while SCHD returned +30.75%. Year to date, INFO is up 13.69% versus a gain of 23.02% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.3% for INFO. 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 -19.6% for INFO 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
INFO 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, INFO currently yields 0.32% against 3.31% for SCHD.
Holdings Overlap
INFO and SCHD share 9 holdings out of 237 unique holdings combined, representing a 4.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in INFO | Weight in SCHD | Difference |
|---|---|---|---|
| UNH | 0.69% | 4.54% | 3.85% |
| CVX | 0.46% | 3.95% | 3.49% |
| MO | 0.88% | 3.15% | 2.27% |
| TXN | Pro | Pro | Pro |
| BMY | Pro | Pro | Pro |
| QCOM | Pro | Pro | Pro |
| EOG | Pro | Pro | Pro |
| CMCSA | Pro | Pro | Pro |
| DVN | Pro | Pro | Pro |
See all 9 holdings INFO shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, INFO or SCHD?
INFO 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, INFO or SCHD?
Over the past year INFO returned +25.33% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), INFO annualized +20.09% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, INFO or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.3% for INFO. Worst drawdown: INFO -19.6% vs SCHD -33.4%.
Should I hold both INFO and SCHD?
INFO and SCHD have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INFO and SCHD?
INFO and SCHD share 9 common holdings with a 4.1% weight overlap. Combined, they hold 237 unique securities.
Which pays a higher dividend, INFO or SCHD?
INFO yields 0.32% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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