AAAA vs SCHD
Amplius Aggressive Asset Allocation ETF vs Schwab US Dividend Equity 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 | AAAA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $276M | $103.7B | |
| Dividend Yield | 1.28% | 3.31% | |
| Holdings | 47 | 104 | |
| YTD Return | +12.63% | +25.33% | |
| 1Y Return | +21.87% | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 11.4% | 13.6% | |
| Max Drawdown | -7.8% | -33.4% | |
| Fund Family | Amplius | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jul 15, 2025 | Oct 20, 2011 |
AAAA vs SCHD Performance
Amplius Aggressive Asset Allocation ETF (AAAA) is a ETF from Amplius and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year AAAA returned +21.87% while SCHD returned +32.31%. Year to date, AAAA is up 12.63% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.4% for AAAA. 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 -7.8% for AAAA 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 0.22. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AAAA 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, AAAA currently yields 1.28% against 3.31% for SCHD.
Holdings Overlap
AAAA and SCHD share 1 holdings out of 145 unique holdings combined, representing a 0.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in AAAA | Weight in SCHD | Difference |
|---|---|---|---|
| HD | 0.61% | 4.16% | 3.55% |
Frequently Asked Questions
Which is cheaper, AAAA or SCHD?
AAAA 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, AAAA or SCHD?
Over the past year AAAA returned +21.87% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), AAAA annualized +22.48% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, AAAA or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.4% for AAAA. Worst drawdown: AAAA -7.8% vs SCHD -33.4%.
Should I hold both AAAA and SCHD?
AAAA and SCHD have a monthly-return correlation of 0.22, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AAAA and SCHD?
AAAA and SCHD share 1 common holdings with a 0.6% weight overlap. Combined, they hold 145 unique securities.
Which pays a higher dividend, AAAA or SCHD?
AAAA yields 1.28% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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