CGIC vs SCHD
Capital Group International Core Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. CGIC offers more diversification with 193 holdings.
Side-by-Side Comparison
| Metric | CGIC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.54% | 0.06% | |
| AUM | $2.2B | $103.7B | |
| Dividend Yield | 1.67% | 3.31% | |
| Holdings | 202 | 104 | |
| YTD Return | +12.56% | +24.26% | |
| 1Y Return | +27.10% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 11.2% | 13.6% | |
| Max Drawdown | -13.1% | -33.4% | |
| Fund Family | Capital Group (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 25, 2024 | Oct 20, 2011 |
CGIC vs SCHD Performance
Capital Group International Core Equity ETF (CGIC) is a ETF from Capital Group (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CGIC returned +27.10% while SCHD returned +31.38%. Year to date, CGIC is up 12.56% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.2% for CGIC. 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 -13.1% for CGIC 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 0.39. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CGIC charges 0.54% per year while SCHD charges 0.06%. On a $10,000 position that is $54 vs $6 annually, a gap of $48 per year that compounds over a long holding period. On income, CGIC currently yields 1.67% against 3.31% for SCHD.
Holdings Overlap
CGIC and SCHD share 0 holdings out of 293 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CGIC or SCHD?
CGIC has an expense ratio of 0.54% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $48 per year of difference.
Which performed better, CGIC or SCHD?
Over the past year CGIC returned +27.10% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), CGIC annualized +22.44% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, CGIC or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.2% for CGIC. Worst drawdown: CGIC -13.1% vs SCHD -33.4%.
Should I hold both CGIC and SCHD?
CGIC and SCHD have a monthly-return correlation of 0.39, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGIC and SCHD?
CGIC and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 293 unique securities.
Which pays a higher dividend, CGIC or SCHD?
CGIC yields 1.67% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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