APLY vs SCHD
APLY vs SCHD
YieldMax AAPL Option Income Strategy 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 100 holdings.
Side-by-Side Comparison
| Metric | APLY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.06% | 0.06% | |
| AUM | $130M | $103.7B | |
| Dividend Yield | 37.96% | 3.31% | |
| Holdings | 13 | 104 | |
| YTD Return | +6.63% | +24.26% | |
| 1Y Return | +23.40% | +31.38% | |
| 3Y Return (annualized) | +10.81% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 16.5% | 13.6% | |
| Max Drawdown | -31.1% | -33.4% | |
| Fund Family | YieldMax ETF | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Apr 17, 2023 | Oct 20, 2011 |
APLY vs SCHD Performance
YieldMax AAPL Option Income Strategy ETF (APLY) is a ETF from YieldMax ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year APLY returned +23.40% while SCHD returned +31.38%. Year to date, APLY is up 6.63% versus a gain of 24.26% for SCHD.
Over three years, APLY compounded at +10.81% per year against +15.08% for SCHD. Across the full 3-year window we track, APLY has the edge at +12.12% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
APLY has been the more volatile fund, with annualized monthly volatility of 16.5% 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 -31.1% for APLY 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 0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
APLY charges 1.06% per year while SCHD charges 0.06%. On a $10,000 position that is $106 vs $6 annually, a gap of $100 per year that compounds over a long holding period. On income, APLY currently yields 37.96% against 3.31% for SCHD.
Holdings Overlap
APLY and SCHD share 0 holdings out of 102 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, APLY or SCHD?
APLY has an expense ratio of 1.06% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $100 per year of difference.
Which performed better, APLY or SCHD?
Over the past year APLY returned +23.40% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), APLY annualized +12.12% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, APLY or SCHD?
APLY has been the more volatile fund at 16.5% annualized versus 13.6% for SCHD. Worst drawdown: APLY -31.1% vs SCHD -33.4%.
Should I hold both APLY and SCHD?
APLY and SCHD have a monthly-return correlation of 0.30, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between APLY and SCHD?
APLY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, APLY or SCHD?
APLY yields 37.96% while SCHD yields 3.31%, so APLY currently pays the higher dividend yield.
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