CTIF vs SCHD
Castellan Targeted Income ETF vs Schwab US Dividend Equity ETF
Which is better, CTIF or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 50.7%.
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 | CTIF | SCHD |
|---|---|---|
| Expense Ratio | 0.45% | 0.06%Best |
| AUM | $196M | $112.2B |
| Dividend Yield | 4.76% | 3.13% |
| Holdings | 45 | 103 |
| YTD Return | +5.80% | +27.56%Best |
| 1Y Return | +5.91% | +30.29%Best |
| 3Y Return (annualized) | - | +16.37% |
| 5Y Return (annualized) | - | +10.23% |
| Volatility (annualized) | 10.9%Best | 12.3% |
| Max Drawdown | -10.6% | -4.6%Best |
| $10,000 over 1.2 years | $10,992 | $13,794Best |
| Top 10 Weight | 50.7% | 41.5%Best |
| Fund Family | Castellan ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Jun 24, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1.2 years row, are measured over the window both funds cover: Jun 25, 2025 to Sep 4, 2026 (1.2 years).
CTIF 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 1.2 years both funds cover.
CTIF vs SCHD Performance
Castellan Targeted Income ETF (CTIF) is an ETF from Castellan ETFs and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year CTIF returned +5.91% while SCHD returned +30.29%. Year to date, CTIF is up 5.80% versus a gain of 27.56% 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 12.3% compared with 10.9% for CTIF. 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 -10.6% for CTIF and -4.6% 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 0.60. They move together some of the time, and apart the rest.
Fees and Cost Over Time
CTIF charges 0.45% per year while SCHD charges 0.06%. On a $10,000 position that is $45 vs $6 annually, a gap of $39 per year that compounds over a long holding period. On income, CTIF currently yields 4.76% against 3.13% for SCHD.
Holdings Overlap
21.6% of CTIF's money is in holdings SCHD also owns. 11.1% of SCHD's money is in holdings CTIF also owns.
CTIF and SCHD share little of their money.
5 positions in common, counted across the 23 positions we hold weights for in CTIF and 100 in SCHD, against full books of 45 and 103.
What only one of them owns
Our book lists 93 positions for SCHD that do not appear in our book for CTIF (88.5% of the fund), and 17 for CTIF that do not appear in SCHD (74.3%).
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.
21.6% of CTIF is already inside SCHD.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CTIF or SCHD?
CTIF has an expense ratio of 0.45% while SCHD charges 0.06%. SCHD is the cheaper option, by $39 a year on a $10,000 investment.
Which performed better, CTIF or SCHD?
Over the past year CTIF returned +5.91% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), CTIF annualized +8.20% vs +30.74% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CTIF or SCHD?
SCHD has been the more volatile fund at 12.3% annualized versus 10.9% for CTIF. Worst drawdown: CTIF -10.6% vs SCHD -4.6%.
Should I hold both CTIF and SCHD?
CTIF and SCHD have a monthly-return correlation of 0.60, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between CTIF and SCHD?
21.6% of CTIF's money is in holdings SCHD also owns. 11.1% of SCHD's is in holdings CTIF also owns. They hold 5 positions in common, counted across the 23 positions we hold weights for in CTIF and 100 in SCHD.
Which pays a higher dividend, CTIF or SCHD?
CTIF yields 4.76% while SCHD yields 3.13%, so CTIF currently pays the higher dividend yield.
Is SCHD better than CTIF?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 50.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.