AAAA vs SCHD
Amplius Aggressive Asset Allocation ETF vs Schwab US Dividend Equity ETF
Which is better, AAAA or SCHD?
Equity-oriented Balanced against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 59.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | AAAA | SCHD |
|---|---|---|
| Expense Ratio | 0.49% | 0.06%Best |
| AUM | $295M | $119.9B |
| Dividend Yield | 1.43% | 2.96% |
| Holdings | 91 | 204 |
| YTD Return | +10.28% | +33.09%Best |
| 1Y Return | +11.17% | +37.17%Best |
| 3Y Return (annualized) | - | +20.32% |
| 5Y Return (annualized) | - | +10.36% |
| Volatility (annualized) | 10.7%Best | 15.4% |
| Max Drawdown | -7.8% | -6.9%Best |
| $10,000 over 1.3 years | $12,119 | $13,897Best |
| Top 10 Weight | 59.5% | 41.8%Best |
| Fund Family | Amplius | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Value |
| Inception | Jul 15, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: Jul 16, 2025 to Nov 11, 2026 (1.3 years).
AAAA vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.3 years both funds cover.
AAAA vs SCHD Performance
Amplius Aggressive Asset Allocation ETF (AAAA) is an ETF from Amplius and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year AAAA returned +11.17% while SCHD returned +37.17%. Year to date, AAAA is up 10.28% versus a gain of 33.09% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 10.7% 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 -6.9% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.14. They move largely independently of each other.
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 1.43% against 2.96% for SCHD.
Holdings Overlap
0.9% of AAAA's money is in holdings SCHD also owns. 3.8% of SCHD's money is in holdings AAAA also owns.
SCHD and AAAA share little of their money.
1 positions in common, counted across the 44 positions we hold weights for in AAAA and 98 in SCHD, against full books of 91 and 204.
What only one of them owns
Our book lists 96 positions for SCHD that do not appear in our book for AAAA (96.0% of the fund), and 43 for AAAA that do not appear in SCHD (99.1%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in AAAA | Weight in SCHD | Difference |
|---|---|---|---|
| HDHome Depot Inc | 0.90% | 3.82% | 2.92% |
You are not choosing between two funds in isolation.
Whichever of AAAA and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $43 a year on a $10,000 investment.
Which performed better, AAAA or SCHD?
Over the past year AAAA returned +11.17% vs +37.17% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), AAAA annualized +15.93% vs +28.81% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, AAAA or SCHD?
SCHD has been the more volatile fund at 15.4% annualized versus 10.7% for AAAA. Worst drawdown: AAAA -7.8% vs SCHD -6.9%.
Should I hold both AAAA and SCHD?
AAAA and SCHD have a monthly-return correlation of 0.14, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between AAAA and SCHD?
3.8% of SCHD's money is in holdings AAAA also owns. 3.8% of SCHD's is in holdings AAAA also owns. They hold 1 positions in common, counted across the 44 positions we hold weights for in AAAA and 98 in SCHD.
Which pays a higher dividend, AAAA or SCHD?
AAAA yields 1.43% while SCHD yields 2.96%, so SCHD currently pays the higher dividend yield.
Is SCHD better than AAAA?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 59.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.