AGIQ vs SCHD
SoFi Agentic AI 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 103 holdings.
Side-by-Side Comparison
| Metric | AGIQ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.06% | |
| AUM | $12M | $112.2B | |
| Dividend Yield | 1.92% | 3.13% | |
| Holdings | 27 | 103 | |
| YTD Return | +12.35% | +28.33% | |
| 1Y Return | +29.06% | +30.37% | |
| 3Y Return (annualized) | - | +16.64% | |
| 5Y Return (annualized) | - | +10.04% | |
| Volatility (annualized) | 25.6% | 13.6% | |
| Max Drawdown | -19.7% | -33.4% | |
| Fund Family | SoFi | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Sep 2, 2025 | Oct 20, 2011 |
AGIQ vs SCHD Performance
SoFi Agentic AI ETF (AGIQ) is a ETF from SoFi and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year AGIQ returned +29.06% while SCHD returned +30.37%. Year to date, AGIQ is up 12.35% versus a gain of 28.33% for SCHD.
Risk: Volatility and Drawdowns
AGIQ has been the more volatile fund, with annualized monthly volatility of 25.6% compared with 13.6% 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 -19.7% for AGIQ 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 -0.04. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AGIQ charges 0.69% per year while SCHD charges 0.06%. On a $10,000 position that is $69 vs $6 annually, a gap of $63 per year that compounds over a long holding period. On income, AGIQ currently yields 1.92% against 3.13% for SCHD.
Holdings Overlap
AGIQ and SCHD share 1 holdings out of 125 unique holdings combined, representing a 2.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in AGIQ | Weight in SCHD | Difference |
|---|---|---|---|
| QCOM | 3.82% | 2.55% | 1.27% |
Frequently Asked Questions
Which is cheaper, AGIQ or SCHD?
AGIQ has an expense ratio of 0.69% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, AGIQ or SCHD?
Over the past year AGIQ returned +29.06% vs +30.37% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, AGIQ or SCHD?
AGIQ has been the more volatile fund at 25.6% annualized versus 13.6% for SCHD. Worst drawdown: AGIQ -19.7% vs SCHD -33.4%.
Should I hold both AGIQ and SCHD?
AGIQ and SCHD have a monthly-return correlation of -0.04, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AGIQ and SCHD?
AGIQ and SCHD share 1 common holdings with a 2.5% weight overlap. Combined, they hold 125 unique securities.
Which pays a higher dividend, AGIQ or SCHD?
AGIQ yields 1.92% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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