ADIV vs SCHD
Guinness Atkinson Asia Pacific Dividend Builder ETF vs Schwab US Dividend Equity ETF
Which is better, ADIV or SCHD?
Mid Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. ADIV led over 3Y, SCHD over 1Y, 5Y and the full window. ADIV is less concentrated, with 34.6% of the fund in its ten largest positions against 41.8%.
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 | ADIV | SCHD |
|---|---|---|
| Expense Ratio | 0.78% | 0.06%Best |
| AUM | $55M | $112.1B |
| Dividend Yield | 2.84% | 3.00% |
| Holdings | 37 | 103 |
| YTD Return | +10.72% | +24.96%Best |
| 1Y Return | +11.93% | +28.75%Best |
| 3Y Return (annualized) | +18.75%Best | +15.71% |
| 5Y Return (annualized) | +8.34% | +9.86%Best |
| Volatility (annualized) | 15.5% | 14.4%Best |
| Max Drawdown | -31.6% | -16.9%Best |
| $10,000 over 5 years | $14,926 | $16,003Best |
| Top 10 Weight | 34.6%Best | 41.8% |
| Fund Family | SmartETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Value |
| Inception | Mar 31, 2006 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Mar 29, 2021 to Sep 9, 2026 (5.4 years).
ADIV 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 5.4 years both funds cover.
ADIV vs SCHD Performance
Guinness Atkinson Asia Pacific Dividend Builder ETF (ADIV) is an ETF from SmartETFs and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year ADIV returned +11.93% while SCHD returned +28.75%. Year to date, ADIV is up 10.72% versus a gain of 24.96% for SCHD.
Over three years, ADIV compounded at +18.75% per year against +15.71% for SCHD; over five years the annualized figures are +8.34% and +9.86% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ADIV has been the more volatile fund, with annualized monthly volatility of 15.5% compared with 14.4% 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 -31.6% for ADIV 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 0.53. They move together some of the time, and apart the rest.
Fees and Cost Over Time
ADIV charges 0.78% per year while SCHD charges 0.06%. On a $10,000 position that is $78 vs $6 annually, a gap of $72 per year that compounds over a long holding period. On income, ADIV currently yields 2.84% against 3.00% for SCHD.
Holdings Overlap
2.4% of ADIV's money is in holdings SCHD also owns. 2.5% of SCHD's money is in holdings ADIV also owns.
SCHD and ADIV share little of their money.
The two holdings books were reported 62 days apart, ADIV as of Jun 30, 2026 and SCHD as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 36 positions we hold weights for in ADIV and 100 in SCHD, against full books of 37 and 103.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for ADIV (97.4% of the fund), and 3 for ADIV that do not appear in SCHD (9.0%).
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 ADIV | Weight in SCHD | Difference |
|---|---|---|---|
| QCOMQualcomm Inc. | 2.42% | 2.52% | 0.10% |
You are not choosing between two funds in isolation.
Whichever of ADIV 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, ADIV or SCHD?
ADIV has an expense ratio of 0.78% while SCHD charges 0.06%. SCHD is the cheaper option, by $72 a year on a $10,000 investment.
Which performed better, ADIV or SCHD?
Over the past year ADIV returned +11.93% vs +28.75% 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, ADIV or SCHD?
ADIV has been the more volatile fund at 15.5% annualized versus 14.4% for SCHD. Worst drawdown: ADIV -31.6% vs SCHD -16.9%.
Should I hold both ADIV and SCHD?
ADIV and SCHD have a monthly-return correlation of 0.53, 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 ADIV and SCHD?
2.5% of SCHD's money is in holdings ADIV also owns. 2.5% of SCHD's is in holdings ADIV also owns. They hold 1 positions in common, counted across the 36 positions we hold weights for in ADIV and 100 in SCHD.
Which pays a higher dividend, ADIV or SCHD?
ADIV yields 2.84% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than ADIV?
SCHD has a lower expense ratio. ADIV led over 3Y, SCHD over 1Y, 5Y and the full window. ADIV is less concentrated, with 34.6% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.