ARMY vs SCHD
Tema International Defense 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 | ARMY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.68% | 0.06% | |
| AUM | $7M | $112.2B | |
| Dividend Yield | 0.00% | 3.13% | |
| Holdings | 34 | 103 | |
| YTD Return | -0.28% | +27.60% | |
| 1Y Return | -3.12% | +29.63% | |
| 3Y Return (annualized) | - | +16.43% | |
| 5Y Return (annualized) | - | +10.05% | |
| Volatility (annualized) | 30.3% | 13.6% | |
| Max Drawdown | -21.4% | -33.4% | |
| Fund Family | Tema Global Limited | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Sep 25, 2025 | Oct 20, 2011 |
ARMY vs SCHD Performance
Tema International Defense ETF (ARMY) is a ETF from Tema Global Limited and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year ARMY returned -3.12% while SCHD returned +29.63%. Year to date, ARMY is down 0.28% versus a gain of 27.60% for SCHD.
Risk: Volatility and Drawdowns
ARMY has been the more volatile fund, with annualized monthly volatility of 30.3% 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 -21.4% for ARMY 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 0.61. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ARMY charges 0.68% per year while SCHD charges 0.06%. On a $10,000 position that is $68 vs $6 annually, a gap of $62 per year that compounds over a long holding period. On income, ARMY currently yields 0.00% against 3.13% for SCHD.
Holdings Overlap
ARMY and SCHD share 1 holdings out of 132 unique holdings combined, representing a 1.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in ARMY | Weight in SCHD | Difference |
|---|---|---|---|
| LMT | 1.79% | 2.99% | 1.20% |
Frequently Asked Questions
Which is cheaper, ARMY or SCHD?
ARMY has an expense ratio of 0.68% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, ARMY or SCHD?
Over the past year ARMY returned -3.12% vs +29.63% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, ARMY or SCHD?
ARMY has been the more volatile fund at 30.3% annualized versus 13.6% for SCHD. Worst drawdown: ARMY -21.4% vs SCHD -33.4%.
Should I hold both ARMY and SCHD?
ARMY and SCHD have a monthly-return correlation of 0.61, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ARMY and SCHD?
ARMY and SCHD share 1 common holdings with a 1.8% weight overlap. Combined, they hold 132 unique securities.
Which pays a higher dividend, ARMY or SCHD?
ARMY yields 0.00% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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