ACGR vs SCHD
American Century Large Cap Growth ETF vs Schwab US Dividend Equity ETF
Which is better, ACGR or SCHD?
Large Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. ACGR led over 3Y, 5Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 52.4%.
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 | ACGR | SCHD |
|---|---|---|
| Expense Ratio | 0.39% | 0.06%Best |
| AUM | $10M | $112.1B |
| Dividend Yield | 0.12% | 3.00% |
| Holdings | 94 | 103 |
| YTD Return | +4.04% | +24.04%Best |
| 1Y Return | +5.27% | +27.95%Best |
| 3Y Return (annualized) | +18.12%Best | +15.51% |
| 5Y Return (annualized) | +9.90%Best | +9.80% |
| Volatility (annualized) | 19.4% | 14.8%Best |
| Max Drawdown | -34.5% | -16.9%Best |
| $10,000 over 5 years | $16,032Best | $15,959 |
| Top 10 Weight | 52.4% | 41.8%Best |
| Fund Family | American Century Investments | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Value |
| Inception | Jun 29, 2021 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Jul 1, 2021 to Sep 16, 2026 (5.2 years).
ACGR 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 5.2 years both funds cover.
ACGR vs SCHD Performance
American Century Large Cap Growth ETF (ACGR) is an ETF from American Century Investments and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year ACGR returned +5.27% while SCHD returned +27.95%. Year to date, ACGR is up 4.04% versus a gain of 24.04% for SCHD.
Over three years, ACGR compounded at +18.12% per year against +15.51% for SCHD; over five years the annualized figures are +9.90% and +9.80% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ACGR has been the more volatile fund, with annualized monthly volatility of 19.4% compared with 14.8% for SCHD. 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 -34.5% for ACGR and -16.9% 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 0.50. They move together some of the time, and apart the rest.
Fees and Cost Over Time
ACGR charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, ACGR currently yields 0.12% against 3.00% for SCHD.
Holdings Overlap
0.8% of ACGR's money is in holdings SCHD also owns. 7.0% of SCHD's money is in holdings ACGR also owns.
SCHD and ACGR share little of their money.
4 positions in common, counted across the 93 positions we hold weights for in ACGR and 100 in SCHD, against full books of 94 and 103.
What only one of them owns
Our book lists 95 positions for SCHD that do not appear in our book for ACGR (93.0% of the fund), and 84 for ACGR that do not appear in SCHD (95.6%).
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.
You are not choosing between two funds in isolation.
Whichever of ACGR 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, ACGR or SCHD?
ACGR has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option, by $33 a year on a $10,000 investment.
Which performed better, ACGR or SCHD?
Over the past year ACGR returned +5.27% vs +27.95% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ACGR or SCHD?
ACGR has been the more volatile fund at 19.4% annualized versus 14.8% for SCHD. Worst drawdown: ACGR -34.5% vs SCHD -16.9%.
Should I hold both ACGR and SCHD?
ACGR and SCHD have a monthly-return correlation of 0.50, 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 ACGR and SCHD?
7.0% of SCHD's money is in holdings ACGR also owns. 7.0% of SCHD's is in holdings ACGR also owns. They hold 4 positions in common, counted across the 93 positions we hold weights for in ACGR and 100 in SCHD.
Which pays a higher dividend, ACGR or SCHD?
ACGR yields 0.12% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than ACGR?
SCHD has a lower expense ratio. ACGR led over 3Y, 5Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 52.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.