ARMY vs SCHD
Tema International Defense 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 | ARMY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.68% | 0.06% | |
| AUM | $7M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 34 | 104 | |
| YTD Return | +10.68% | +24.26% | |
| 1Y Return | - | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | - | 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. Year to date, ARMY is up 10.68% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
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.
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 3.31% for SCHD.
Holdings Overlap
ARMY and SCHD share 1 holdings out of 133 unique holdings combined, representing a 1.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in ARMY | Weight in SCHD | Difference |
|---|---|---|---|
| LMT | 1.58% | 2.66% | 1.08% |
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.
What is the holdings overlap between ARMY and SCHD?
ARMY and SCHD share 1 common holdings with a 1.6% weight overlap. Combined, they hold 133 unique securities.
Which pays a higher dividend, ARMY or SCHD?
ARMY yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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