APRT vs SCHD
APRT vs SCHD
AllianzIM US Equity Buffer10 Apr 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 | APRT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.06% | |
| AUM | $46M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | +7.59% | +24.26% | |
| 1Y Return | +7.79% | +31.38% | |
| 3Y Return (annualized) | +15.04% | +15.08% | |
| 5Y Return (annualized) | +9.79% | +9.72% | |
| Volatility (annualized) | 9.7% | 13.6% | |
| Max Drawdown | -15.0% | -33.4% | |
| Fund Family | AllianzIM | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | May 28, 2020 | Oct 20, 2011 |
APRT vs SCHD Performance
AllianzIM US Equity Buffer10 Apr ETF (APRT) is a ETF from AllianzIM and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year APRT returned +7.79% while SCHD returned +31.38%. Year to date, APRT is up 7.59% versus a gain of 24.26% for SCHD.
Over three years, APRT compounded at +15.04% per year against +15.08% for SCHD; over five years the annualized figures are +9.79% and +9.72% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +10.37%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.7% for APRT. 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 -15.0% for APRT 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
APRT charges 0.74% per year while SCHD charges 0.06%. On a $10,000 position that is $74 vs $6 annually, a gap of $68 per year that compounds over a long holding period. On income, APRT currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, APRT or SCHD?
APRT has an expense ratio of 0.74% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $68 per year of difference.
Which performed better, APRT or SCHD?
Over the past year APRT returned +7.79% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), APRT annualized +10.37% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, APRT or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.7% for APRT. Worst drawdown: APRT -15.0% vs SCHD -33.4%.
Should I hold both APRT and SCHD?
APRT and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, APRT or SCHD?
APRT yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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