SCHD vs USFI
SCHD vs USFI
Schwab US Dividend Equity ETF vs BrandywineGLOBAL - US 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 | USFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.39% | |
| AUM | $103.7B | $10M | |
| Dividend Yield | 3.31% | 4.25% | |
| Holdings | 104 | 59 | |
| YTD Return | +23.53% | +0.01% | |
| 1Y Return | +30.95% | +2.18% | |
| 3Y Return (annualized) | +14.72% | +3.99% | |
| 5Y Return (annualized) | +9.56% | - | |
| Volatility (annualized) | 13.6% | 7.2% | |
| Max Drawdown | -33.4% | -8.5% | |
| Fund Family | Charles Schwab Asset Management | Franklin Templeton Investments (US) | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Jul 25, 2023 |
SCHD vs USFI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and BrandywineGLOBAL - US Fixed Income ETF (USFI) is a ETF from Franklin Templeton Investments (US). Over the past year SCHD returned +30.95% while USFI returned +2.18%. Year to date, SCHD is up 23.53% versus a gain of 0.01% for USFI.
Over three years, SCHD compounded at +14.72% per year against +3.99% for USFI. Across the full 3-year window we track, SCHD has the edge at +11.35% annualized vs +3.58%. 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 7.2% for USFI. 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 -8.5% for USFI. 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 USFI charges 0.39%. On a $10,000 position that is $6 vs $39 annually, a gap of $33 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 4.25% for USFI.
Holdings Overlap
SCHD and USFI share 0 holdings out of 142 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 USFI?
SCHD has an expense ratio of 0.06% while USFI charges 0.39%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, SCHD or USFI?
Over the past year SCHD returned +30.95% vs +2.18% for USFI, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.35% vs +3.58% for USFI. Past performance does not guarantee future results.
Which is riskier, SCHD or USFI?
SCHD has been the more volatile fund at 13.6% annualized versus 7.2% for USFI. Worst drawdown: SCHD -33.4% vs USFI -8.5%.
Should I hold both SCHD and USFI?
SCHD and USFI 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 USFI?
SCHD and USFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 142 unique securities.
Which pays a higher dividend, SCHD or USFI?
SCHD yields 3.31% while USFI yields 4.25%, so USFI currently pays the higher dividend yield.
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