AIUP vs SCHD
FINQ FIRST US Large Cap AI-Managed Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | AIUP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.70% | 0.06% | |
| AUM | $4M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 15 | 104 | |
| YTD Return | +19.56% | +25.62% | |
| 1Y Return | - | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | - | 13.6% | |
| Max Drawdown | -11.3% | -33.4% | |
| Fund Family | FINQ AI, LLC | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 5, 2026 | Oct 20, 2011 |
AIUP vs SCHD Performance
FINQ FIRST US Large Cap AI-Managed Equity ETF (AIUP) is a ETF from FINQ AI, LLC and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, AIUP is up 19.56% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -11.3% for AIUP and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
AIUP charges 0.70% per year while SCHD charges 0.06%. On a $10,000 position that is $70 vs $6 annually, a gap of $64 per year that compounds over a long holding period. On income, AIUP currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
AIUP and SCHD share 0 holdings out of 115 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, AIUP or SCHD?
AIUP has an expense ratio of 0.70% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $64 per year of difference.
What is the holdings overlap between AIUP and SCHD?
AIUP and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 115 unique securities.
Which pays a higher dividend, AIUP or SCHD?
AIUP yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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