CPAI vs SCHD
Counterpoint Quantitative Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. CPAI delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | CPAI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.06% | |
| AUM | $437M | $108.7B | |
| Dividend Yield | 0.71% | 3.13% | |
| Holdings | 52 | 104 | |
| YTD Return | +30.76% | +26.50% | |
| 1Y Return | +47.61% | +31.25% | |
| 3Y Return (annualized) | - | +16.34% | |
| 5Y Return (annualized) | - | +10.10% | |
| Volatility (annualized) | 17.1% | 13.6% | |
| Max Drawdown | -21.5% | -33.4% | |
| Fund Family | Counterpoint Mutual Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 28, 2023 | Oct 20, 2011 |
CPAI vs SCHD Performance
Counterpoint Quantitative Equity ETF (CPAI) is a ETF from Counterpoint Mutual Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CPAI returned +47.61% while SCHD returned +31.25%. Year to date, CPAI is up 30.76% versus a gain of 26.50% for SCHD.
Risk: Volatility and Drawdowns
CPAI has been the more volatile fund, with annualized monthly volatility of 17.1% compared with 13.6% 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 -21.5% for CPAI 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CPAI charges 0.75% per year while SCHD charges 0.06%. On a $10,000 position that is $75 vs $6 annually, a gap of $69 per year that compounds over a long holding period. On income, CPAI currently yields 0.71% against 3.13% for SCHD.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, CPAI or SCHD?
CPAI has an expense ratio of 0.75% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, CPAI or SCHD?
Over the past year CPAI returned +47.61% vs +31.25% for SCHD, so CPAI leads on 1-year performance. Over the longest common window we track (3 years), CPAI annualized +32.11% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, CPAI or SCHD?
CPAI has been the more volatile fund at 17.1% annualized versus 13.6% for SCHD. Worst drawdown: CPAI -21.5% vs SCHD -33.4%.
Should I hold both CPAI and SCHD?
CPAI and SCHD have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPAI and SCHD?
CPAI and SCHD share 2 common holdings with a 2.6% weight overlap. Combined, they hold 148 unique securities.
Which pays a higher dividend, CPAI or SCHD?
CPAI yields 0.71% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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