AIUP vs SCHD
FINQ FIRST US Large Cap AI-Managed Equity ETF vs Schwab US Dividend Equity ETF
Which is better, AIUP or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 78.3%.
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 | AIUP | SCHD |
|---|---|---|
| Expense Ratio | 0.70% | 0.06%Best |
| AUM | $6M | $112.1B |
| Dividend Yield | 0.00% | 3.00% |
| Holdings | 17 | 103 |
| YTD Return | +26.90%Best | +23.46% |
| 1Y Return | - | +27.20% |
| 3Y Return (annualized) | - | +15.41% |
| 5Y Return (annualized) | - | +10.16% |
| Top 10 Weight | 78.3% | 41.8%Best |
| Fund Family | FINQ AI, LLC | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Feb 5, 2026 | Oct 20, 2011 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
AIUP 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
AIUP vs SCHD Performance
FINQ FIRST US Large Cap AI-Managed Equity ETF (AIUP) is an ETF from FINQ AI, LLC and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Year to date, AIUP is up 26.90% versus a gain of 23.46% for SCHD.
Past performance does not guarantee future results.
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 3.00% for SCHD.
Holdings Overlap
We hold position weights for 16 holdings in AIUP and 100 in SCHD, totalling 100.0% 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 16 positions we hold weights for in AIUP and 100 in SCHD, against full books of 17 and 103.
What only one of them owns
Measured across the 16 and 100 positions we hold weights for.
SCHD holds 99 positions AIUP does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of AIUP 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, AIUP or SCHD?
AIUP has an expense ratio of 0.70% while SCHD charges 0.06%. SCHD is the cheaper option, by $64 a year on a $10,000 investment.
Which pays a higher dividend, AIUP or SCHD?
AIUP yields 0.00% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than AIUP?
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 78.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.