CLSM vs SCHD
ETC Cabana Target Leading Sector Moderate 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 | CLSM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.82% | 0.06% | |
| AUM | $94M | $103.7B | |
| Dividend Yield | 0.76% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +18.09% | +25.33% | |
| 1Y Return | +25.24% | +32.31% | |
| 3Y Return (annualized) | +13.43% | +15.40% | |
| 5Y Return (annualized) | +3.65% | +9.70% | |
| Volatility (annualized) | 12.5% | 13.6% | |
| Max Drawdown | -27.8% | -33.4% | |
| Fund Family | The Cabana Group, LLC | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jul 12, 2021 | Oct 20, 2011 |
CLSM vs SCHD Performance
ETC Cabana Target Leading Sector Moderate ETF (CLSM) is a ETF from The Cabana Group, LLC and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CLSM returned +25.24% while SCHD returned +32.31%. Year to date, CLSM is up 18.09% versus a gain of 25.33% for SCHD.
Over three years, CLSM compounded at +13.43% per year against +15.40% for SCHD; over five years the annualized figures are +3.65% and +9.70% respectively. Across the full 5-year window we track, SCHD has the edge at +11.45% annualized vs +3.78%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.5% for CLSM. 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 -27.8% for CLSM 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CLSM charges 0.82% per year while SCHD charges 0.06%. On a $10,000 position that is $82 vs $6 annually, a gap of $76 per year that compounds over a long holding period. On income, CLSM currently yields 0.76% against 3.31% for SCHD.
Holdings Overlap
CLSM and SCHD share 0 holdings out of 105 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, CLSM or SCHD?
CLSM has an expense ratio of 0.82% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, CLSM or SCHD?
Over the past year CLSM returned +25.24% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), CLSM annualized +3.78% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, CLSM or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.5% for CLSM. Worst drawdown: CLSM -27.8% vs SCHD -33.4%.
Should I hold both CLSM and SCHD?
CLSM and SCHD have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CLSM and SCHD?
CLSM and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 105 unique securities.
Which pays a higher dividend, CLSM or SCHD?
CLSM yields 0.76% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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