CGIE vs SCHD
Capital Group International Equity ETF vs Schwab US Dividend Equity ETF
Which is better, CGIE or SCHD?
Large Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. CGIE led over 3Y, SCHD over 1Y and the full window. CGIE is less concentrated, with 26.3% of the fund in its ten largest positions against 41.8%.
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 | CGIE | SCHD |
|---|---|---|
| Expense Ratio | 0.54% | 0.06%Best |
| AUM | $2.5B | $112.1B |
| Dividend Yield | 1.32% | 3.00% |
| Holdings | 81 | 103 |
| YTD Return | +7.25% | +25.07%Best |
| 1Y Return | +12.92% | +27.61%Best |
| 3Y Return (annualized) | +16.18%Best | +15.74% |
| 5Y Return (annualized) | - | +9.89% |
| Volatility (annualized) | 11.6%Best | 13.2% |
| Max Drawdown | -13.8%Best | -16.1% |
| $10,000 over 3 years | $15,682 | $16,070Best |
| Top 10 Weight | 26.3%Best | 41.8% |
| Fund Family | Capital Group (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Value |
| Inception | Sep 26, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Sep 28, 2023 to Sep 11, 2026 (3 years).
CGIE 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 3 years both funds cover.
CGIE vs SCHD Performance
Capital Group International Equity ETF (CGIE) is an ETF from Capital Group (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year CGIE returned +12.92% while SCHD returned +27.61%. Year to date, CGIE is up 7.25% versus a gain of 25.07% for SCHD.
Over three years, CGIE compounded at +16.18% per year against +15.74% 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 13.2% compared with 11.6% for CGIE. 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 -13.8% for CGIE and -16.1% 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 0.49. They move together some of the time, and apart the rest.
Fees and Cost Over Time
CGIE 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, CGIE currently yields 1.32% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 73 holdings in CGIE and 100 in SCHD, totalling 99.9% 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 73 positions we hold weights for in CGIE and 100 in SCHD, against full books of 81 and 103.
What only one of them owns
Our book lists 99 positions for SCHD that do not appear in our book for CGIE (99.9% of the fund), and 3 for CGIE that do not appear in SCHD (3.6%).
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 CGIE 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, CGIE or SCHD?
CGIE has an expense ratio of 0.54% while SCHD charges 0.06%. SCHD is the cheaper option, by $48 a year on a $10,000 investment.
Which performed better, CGIE or SCHD?
Over the past year CGIE returned +12.92% vs +27.61% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CGIE or SCHD?
SCHD has been the more volatile fund at 13.2% annualized versus 11.6% for CGIE. Worst drawdown: CGIE -13.8% vs SCHD -16.1%.
Should I hold both CGIE and SCHD?
CGIE and SCHD have a monthly-return correlation of 0.49, 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, CGIE or SCHD?
CGIE yields 1.32% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than CGIE?
SCHD has a lower expense ratio. CGIE led over 3Y, SCHD over 1Y and the full window. CGIE is less concentrated, with 26.3% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.