SCHD vs SSFI
SCHD vs SSFI
Schwab US Dividend Equity ETF vs Day Hagan Smart Sector Fixed Income 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 | SCHD | SSFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.76% | |
| AUM | $103.7B | $29M | |
| Dividend Yield | 3.31% | 3.55% | |
| Holdings | 104 | 10 | |
| YTD Return | +23.53% | -0.37% | |
| 1Y Return | +30.95% | +1.50% | |
| 3Y Return (annualized) | +14.72% | +3.24% | |
| 5Y Return (annualized) | +9.56% | - | |
| Volatility (annualized) | 13.6% | 6.1% | |
| Max Drawdown | -33.4% | -16.1% | |
| Fund Family | Charles Schwab Asset Management | Day Hagan Funds | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Sep 28, 2021 |
SCHD vs SSFI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Day Hagan Smart Sector Fixed Income ETF (SSFI) is a ETF from Day Hagan Funds. Over the past year SCHD returned +30.95% while SSFI returned +1.50%. Year to date, SCHD is up 23.53% versus a loss of 0.37% for SSFI.
Over three years, SCHD compounded at +14.72% per year against +3.24% for SSFI. Across the full 5-year window we track, SCHD has the edge at +11.35% annualized vs -0.36%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 6.1% for SSFI. 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 -16.1% for SSFI. 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SSFI charges 0.76%. On a $10,000 position that is $6 vs $76 annually, a gap of $70 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 3.55% for SSFI.
Holdings Overlap
SCHD and SSFI share 0 holdings out of 109 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, SCHD or SSFI?
SCHD has an expense ratio of 0.06% while SSFI charges 0.76%. SCHD is the cheaper option. On a $10,000 investment, that is $70 per year of difference.
Which performed better, SCHD or SSFI?
Over the past year SCHD returned +30.95% vs +1.50% for SSFI, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.35% vs -0.36% for SSFI. Past performance does not guarantee future results.
Which is riskier, SCHD or SSFI?
SCHD has been the more volatile fund at 13.6% annualized versus 6.1% for SSFI. Worst drawdown: SCHD -33.4% vs SSFI -16.1%.
Should I hold both SCHD and SSFI?
SCHD and SSFI have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SSFI?
SCHD and SSFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 109 unique securities.
Which pays a higher dividend, SCHD or SSFI?
SCHD yields 3.31% while SSFI yields 3.55%, so SSFI currently pays the higher dividend yield.
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