CFIT vs SCHD
Cambria Fixed Income Trend ETF vs Schwab US Dividend Equity ETF
Which is better, CFIT or SCHD?
Intermediate Term Bond against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | CFIT | SCHD |
|---|---|---|
| Expense Ratio | 0.50% | 0.06%Best |
| AUM | $42M | $112.1B |
| Dividend Yield | 3.92% | 3.00% |
| Holdings | 7 | 103 |
| YTD Return | -0.23% | +19.24%Best |
| 1Y Return | +0.74% | +22.36%Best |
| 3Y Return (annualized) | - | +15.49% |
| 5Y Return (annualized) | - | +9.29% |
| Volatility (annualized) | 6.8%Best | 15.3% |
| Max Drawdown | -5.3%Best | -13.0% |
| $10,000 over 1.5 years | $10,382 | $12,334Best |
| Top 10 Weight | - | 41.8% |
| Fund Family | Cambria Investment Management | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Value |
| Inception | Mar 28, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Mar 28, 2025 to Sep 30, 2026 (1.5 years).
CFIT vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.5 years both funds cover.
CFIT vs SCHD Performance
Cambria Fixed Income Trend ETF (CFIT) is an ETF from Cambria Investment Management and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year CFIT returned +0.74% while SCHD returned +22.36%. Year to date, CFIT is down 0.23% versus a gain of 19.24% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.8% for CFIT. 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 -5.3% for CFIT and -13.0% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.53. They move together some of the time, and apart the rest.
Fees and Cost Over Time
CFIT charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, CFIT currently yields 3.92% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 6 holdings in CFIT and 100 in SCHD, totalling 99.6% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 6 positions we hold weights for in CFIT and 100 in SCHD, against full books of 7 and 103.
What only one of them owns
Our book lists 99 positions for SCHD that do not appear in our book for CFIT (99.9% of the fund), and 6 for CFIT that do not appear in SCHD (99.6%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of CFIT and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CFIT or SCHD?
CFIT has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option, by $44 a year on a $10,000 investment.
Which performed better, CFIT or SCHD?
Over the past year CFIT returned +0.74% vs +22.36% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), CFIT annualized +2.53% vs +15.01% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CFIT or SCHD?
SCHD has been the more volatile fund at 15.3% annualized versus 6.8% for CFIT. Worst drawdown: CFIT -5.3% vs SCHD -13.0%.
Should I hold both CFIT and SCHD?
CFIT and SCHD have a monthly-return correlation of 0.53, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, CFIT or SCHD?
CFIT yields 3.92% while SCHD yields 3.00%, so CFIT currently pays the higher dividend yield.
Is SCHD better than CFIT?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.