COYY vs SCHD
GraniteShares YieldBOOST COIN 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 104 holdings.
Side-by-Side Comparison
| Metric | COYY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.07% | 0.06% | |
| AUM | $19M | $108.7B | |
| Dividend Yield | 90.70% | 3.13% | |
| Holdings | 6 | 104 | |
| YTD Return | -34.43% | +28.63% | |
| 1Y Return | -54.60% | +32.53% | |
| 3Y Return (annualized) | - | +16.97% | |
| 5Y Return (annualized) | - | +10.47% | |
| Volatility (annualized) | 23.9% | 13.7% | |
| Max Drawdown | -60.9% | -33.4% | |
| Fund Family | GraniteShares | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jul 28, 2025 | Oct 20, 2011 |
COYY vs SCHD Performance
GraniteShares YieldBOOST COIN ETF (COYY) is a ETF from GraniteShares and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year COYY returned -54.60% while SCHD returned +32.53%. Year to date, COYY is down 34.43% versus a gain of 28.63% for SCHD.
Risk: Volatility and Drawdowns
COYY has been the more volatile fund, with annualized monthly volatility of 23.9% compared with 13.7% for SCHD. 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 -60.9% for COYY 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 -0.16. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
COYY charges 1.07% per year while SCHD charges 0.06%. On a $10,000 position that is $107 vs $6 annually, a gap of $101 per year that compounds over a long holding period. On income, COYY currently yields 90.70% against 3.13% for SCHD.
Frequently Asked Questions
Which is cheaper, COYY or SCHD?
COYY has an expense ratio of 1.07% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $101 per year of difference.
Which performed better, COYY or SCHD?
Over the past year COYY returned -54.60% vs +32.53% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), COYY annualized -56.26% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, COYY or SCHD?
COYY has been the more volatile fund at 23.9% annualized versus 13.7% for SCHD. Worst drawdown: COYY -60.9% vs SCHD -33.4%.
Should I hold both COYY and SCHD?
COYY and SCHD have a monthly-return correlation of -0.16, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, COYY or SCHD?
COYY yields 90.70% while SCHD yields 3.13%, so COYY currently pays the higher dividend yield.
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