AGGS vs SCHD
Harbor Disciplined Bond ETF vs Schwab US Dividend Equity ETF
Which is better, AGGS or SCHD?
Intermediate Term Bond against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
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 | AGGS | SCHD |
|---|---|---|
| Expense Ratio | 0.35% | 0.06%Best |
| AUM | $39M | $112.1B |
| Dividend Yield | 5.24% | 3.00% |
| Holdings | 291 | 103 |
| YTD Return | -0.67% | +24.59%Best |
| 1Y Return | +0.34% | +28.14%Best |
| 3Y Return (annualized) | - | +15.58% |
| 5Y Return (annualized) | - | +9.90% |
| Volatility (annualized) | 4.3%Best | 13.2% |
| Max Drawdown | -4.6%Best | -16.1% |
| $10,000 over 2.4 years | $11,130 | $14,439Best |
| Fund Family | Harbor Funds | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Value |
| Inception | May 1, 2024 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.4 years row, are measured over the window both funds cover: May 2, 2024 to Sep 10, 2026 (2.4 years).
AGGS 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 2.4 years both funds cover.
AGGS vs SCHD Performance
Harbor Disciplined Bond ETF (AGGS) is an ETF from Harbor Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year AGGS returned +0.34% while SCHD returned +28.14%. Year to date, AGGS is down 0.67% versus a gain of 24.59% 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 13.2% compared with 4.3% for AGGS. 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 -4.6% for AGGS and -16.1% 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 0.43. They move together some of the time, and apart the rest.
Fees and Cost Over Time
AGGS charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, AGGS currently yields 5.24% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 131 holdings in AGGS and 100 in SCHD, totalling 45.7% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 131 positions we hold weights for in AGGS and 100 in SCHD, against full books of 291 and 103.
You are not choosing between two funds in isolation.
Whichever of AGGS 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, AGGS or SCHD?
AGGS has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, AGGS or SCHD?
Over the past year AGGS returned +0.34% vs +28.14% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), AGGS annualized +4.56% vs +16.54% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, AGGS or SCHD?
SCHD has been the more volatile fund at 13.2% annualized versus 4.3% for AGGS. Worst drawdown: AGGS -4.6% vs SCHD -16.1%.
Should I hold both AGGS and SCHD?
AGGS and SCHD have a monthly-return correlation of 0.43, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, AGGS or SCHD?
AGGS yields 5.24% while SCHD yields 3.00%, so AGGS currently pays the higher dividend yield.
Is SCHD better than AGGS?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.