LODI vs SCHD
LODI vs SCHD
AAM SLC Low Duration Income 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 | LODI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $96M | $103.7B | |
| Dividend Yield | 4.99% | 3.31% | |
| Holdings | 148 | 104 | |
| YTD Return | +2.52% | +24.08% | |
| 1Y Return | +4.39% | +31.88% | |
| 3Y Return (annualized) | - | +14.92% | |
| 5Y Return (annualized) | - | +9.85% | |
| Volatility (annualized) | 1.3% | 13.6% | |
| Max Drawdown | -1.0% | -33.4% | |
| Fund Family | Advisors Asset Management, Inc. | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 3, 2024 | Oct 20, 2011 |
LODI vs SCHD Performance
AAM SLC Low Duration Income ETF (LODI) is a ETF from Advisors Asset Management, Inc. and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LODI returned +4.39% while SCHD returned +31.88%. Year to date, LODI is up 2.52% versus a gain of 24.08% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.3% for LODI. 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 -1.0% for LODI 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LODI charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, LODI currently yields 4.99% against 3.31% for SCHD.
Holdings Overlap
LODI and SCHD share 0 holdings out of 153 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, LODI or SCHD?
LODI has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, LODI or SCHD?
Over the past year LODI returned +4.39% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), LODI annualized +5.31% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, LODI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.3% for LODI. Worst drawdown: LODI -1.0% vs SCHD -33.4%.
Should I hold both LODI and SCHD?
LODI and SCHD have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LODI and SCHD?
LODI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 153 unique securities.
Which pays a higher dividend, LODI or SCHD?
LODI yields 4.99% while SCHD yields 3.31%, so LODI currently pays the higher dividend yield.
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