SCHD vs SFY
SCHD vs SFY
Schwab US Dividend Equity ETF vs Sofi Select 500 ETF
Quick Verdict
SFY has a lower expense ratio. SCHD delivered stronger 1-year returns. SFY offers more diversification with 492 holdings.
Side-by-Side Comparison
| Metric | SCHD | SFY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.05% | |
| AUM | $103.7B | $649M | |
| Dividend Yield | 3.31% | 0.84% | |
| Holdings | 104 | 506 | |
| YTD Return | +24.26% | +16.11% | |
| 1Y Return | +31.38% | +26.75% | |
| 3Y Return (annualized) | +15.08% | +25.83% | |
| 5Y Return (annualized) | +9.72% | +14.64% | |
| Volatility (annualized) | 13.6% | 17.8% | |
| Max Drawdown | -33.4% | -33.3% | |
| Fund Family | Charles Schwab Asset Management | SoFi | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Apr 10, 2019 |
SCHD vs SFY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Sofi Select 500 ETF (SFY) is a ETF from SoFi. Over the past year SCHD returned +31.38% while SFY returned +26.75%. Year to date, SCHD is up 24.26% versus a gain of 16.11% for SFY.
Over three years, SCHD compounded at +15.08% per year against +25.83% for SFY; over five years the annualized figures are +9.72% and +14.64% respectively. Across the full 7-year window we track, SFY has the edge at +17.56% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFY has been the more volatile fund, with annualized monthly volatility of 17.8% 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 -33.4% for SCHD and -33.3% for SFY. 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while SFY charges 0.05%. On a $10,000 position that is $6 vs $5 annually, a gap of $1 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.84% for SFY.
Holdings Overlap
SCHD and SFY share 46 holdings out of 546 unique holdings combined, representing a 6.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in SFY | Difference |
|---|---|---|---|
| UNH | 4.54% | 0.38% | 4.16% |
| ABT | 4.49% | 0.32% | 4.17% |
| MRK | 4.32% | 0.40% | 3.92% |
| AMGN | Pro | Pro | Pro |
| HD | Pro | Pro | Pro |
| PG | Pro | Pro | Pro |
| KO | Pro | Pro | Pro |
| CVX | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
| VZ | Pro | Pro | Pro |
See all 10 holdings SCHD shares with SFY 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, SCHD or SFY?
SCHD has an expense ratio of 0.06% while SFY charges 0.05%. SFY is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, SCHD or SFY?
Over the past year SCHD returned +31.38% vs +26.75% for SFY, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +11.39% vs +17.56% for SFY. Past performance does not guarantee future results.
Which is riskier, SCHD or SFY?
SFY has been the more volatile fund at 17.8% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SFY -33.3%.
Should I hold both SCHD and SFY?
SCHD and SFY have a monthly-return correlation of 0.73, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SFY?
SCHD and SFY share 46 common holdings with a 6.5% weight overlap. Combined, they hold 546 unique securities.
Which pays a higher dividend, SCHD or SFY?
SCHD yields 3.31% while SFY yields 0.84%, so SCHD currently pays the higher dividend yield.
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