OALC vs SCHD
OALC vs SCHD
OneAscent Large Cap Core ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. OALC offers more diversification with 203 holdings.
Side-by-Side Comparison
| Metric | OALC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $242M | $103.7B | |
| Dividend Yield | 0.52% | 3.31% | |
| Holdings | 207 | 104 | |
| YTD Return | +18.14% | +23.31% | |
| 1Y Return | +27.84% | +30.42% | |
| 3Y Return (annualized) | +22.50% | +14.66% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 15.5% | 13.6% | |
| Max Drawdown | -26.8% | -33.4% | |
| Fund Family | OneAscent Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 15, 2021 | Oct 20, 2011 |
OALC vs SCHD Performance
OneAscent Large Cap Core ETF (OALC) is a ETF from OneAscent Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year OALC returned +27.84% while SCHD returned +30.42%. Year to date, OALC is up 18.14% versus a gain of 23.31% for SCHD.
Over three years, OALC compounded at +22.50% per year against +14.66% for SCHD. Across the full 5-year window we track, OALC has the edge at +11.89% annualized vs +11.34%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
OALC has been the more volatile fund, with annualized monthly volatility of 15.5% 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 -26.8% for OALC 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
OALC charges 0.49% per year while SCHD charges 0.06%. On a $10,000 position that is $49 vs $6 annually, a gap of $43 per year that compounds over a long holding period. On income, OALC currently yields 0.52% against 3.31% for SCHD.
Holdings Overlap
OALC and SCHD share 20 holdings out of 283 unique holdings combined, representing a 9.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in OALC | Weight in SCHD | Difference |
|---|---|---|---|
| MRK | 1.02% | 4.32% | 3.30% |
| HD | 1.03% | 4.16% | 3.13% |
| KO | 0.96% | 4.08% | 3.12% |
| ABT | Pro | Pro | Pro |
| CVX | Pro | Pro | Pro |
| VZ | Pro | Pro | Pro |
| TXN | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
| COP | Pro | Pro | Pro |
| BMY | Pro | Pro | Pro |
See all 10 holdings OALC 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, OALC or SCHD?
OALC has an expense ratio of 0.49% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, OALC or SCHD?
Over the past year OALC returned +27.84% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), OALC annualized +11.89% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, OALC or SCHD?
OALC has been the more volatile fund at 15.5% annualized versus 13.6% for SCHD. Worst drawdown: OALC -26.8% vs SCHD -33.4%.
Should I hold both OALC and SCHD?
OALC and SCHD have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between OALC and SCHD?
OALC and SCHD share 20 common holdings with a 9.6% weight overlap. Combined, they hold 283 unique securities.
Which pays a higher dividend, OALC or SCHD?
OALC yields 0.52% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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