AUGU vs SCHD
AllianzIM US Equity Buffer15 Uncapped Aug 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 | AUGU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.06% | |
| AUM | $36M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 4 | 104 | |
| YTD Return | +9.88% | +25.62% | |
| 1Y Return | +16.24% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 9.7% | 13.6% | |
| Max Drawdown | -12.2% | -33.4% | |
| Fund Family | AllianzIM | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jul 31, 2024 | Oct 20, 2011 |
AUGU vs SCHD Performance
AllianzIM US Equity Buffer15 Uncapped Aug ETF (AUGU) is a ETF from AllianzIM and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year AUGU returned +16.24% while SCHD returned +32.62%. Year to date, AUGU is up 9.88% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.7% for AUGU. 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 -12.2% for AUGU 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AUGU 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, AUGU currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, AUGU or SCHD?
AUGU 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, AUGU or SCHD?
Over the past year AUGU returned +16.24% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), AUGU annualized +14.08% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, AUGU or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.7% for AUGU. Worst drawdown: AUGU -12.2% vs SCHD -33.4%.
Should I hold both AUGU and SCHD?
AUGU and SCHD have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, AUGU or SCHD?
AUGU yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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