SCHD vs ZHOG
SCHD vs ZHOG
Schwab US Dividend Equity ETF vs F/m Opportunistic 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 | ZHOG | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.43% | |
| AUM | $103.7B | $46M | |
| Dividend Yield | 3.31% | 5.47% | |
| Holdings | 104 | 116 | |
| YTD Return | +24.26% | +0.99% | |
| 1Y Return | +31.38% | +3.89% | |
| 3Y Return (annualized) | +15.08% | +6.70% | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 5.1% | |
| Max Drawdown | -33.4% | -3.7% | |
| Fund Family | Charles Schwab Asset Management | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Sep 6, 2023 |
SCHD vs ZHOG Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and F/m Opportunistic Income ETF (ZHOG) is a ETF from F-m investments. Over the past year SCHD returned +31.38% while ZHOG returned +3.89%. Year to date, SCHD is up 24.26% versus a gain of 0.99% for ZHOG.
Over three years, SCHD compounded at +15.08% per year against +6.70% for ZHOG. Across the full 3-year window we track, SCHD has the edge at +11.39% annualized vs +6.70%. 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 5.1% for ZHOG. 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 -3.7% for ZHOG. 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while ZHOG charges 0.43%. On a $10,000 position that is $6 vs $43 annually, a gap of $37 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.47% for ZHOG.
Holdings Overlap
SCHD and ZHOG share 0 holdings out of 124 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 ZHOG?
SCHD has an expense ratio of 0.06% while ZHOG charges 0.43%. SCHD is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, SCHD or ZHOG?
Over the past year SCHD returned +31.38% vs +3.89% for ZHOG, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +6.70% for ZHOG. Past performance does not guarantee future results.
Which is riskier, SCHD or ZHOG?
SCHD has been the more volatile fund at 13.6% annualized versus 5.1% for ZHOG. Worst drawdown: SCHD -33.4% vs ZHOG -3.7%.
Should I hold both SCHD and ZHOG?
SCHD and ZHOG have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and ZHOG?
SCHD and ZHOG share 0 common holdings with a 0.0% weight overlap. Combined, they hold 124 unique securities.
Which pays a higher dividend, SCHD or ZHOG?
SCHD yields 3.31% while ZHOG yields 5.47%, so ZHOG currently pays the higher dividend yield.
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