CTIF vs SCHD
Castellan Targeted Income 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 | CTIF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.06% | |
| AUM | $203M | $108.7B | |
| Dividend Yield | 4.76% | 3.13% | |
| Holdings | 45 | 104 | |
| YTD Return | +9.94% | +26.54% | |
| 1Y Return | +10.56% | +30.90% | |
| 3Y Return (annualized) | - | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 11.6% | 13.6% | |
| Max Drawdown | -10.6% | -33.4% | |
| Fund Family | Castellan ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 24, 2025 | Oct 20, 2011 |
CTIF vs SCHD Performance
Castellan Targeted Income ETF (CTIF) is a ETF from Castellan ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CTIF returned +10.56% while SCHD returned +30.90%. Year to date, CTIF is up 9.94% versus a gain of 26.54% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.6% 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 -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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
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
CTIF and SCHD share 5 holdings out of 118 unique holdings combined, representing a 10.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $39 per year of difference.
Which performed better, CTIF or SCHD?
Over the past year CTIF returned +10.56% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), CTIF annualized +12.36% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, CTIF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.6% for CTIF. Worst drawdown: CTIF -10.6% vs SCHD -33.4%.
Should I hold both CTIF and SCHD?
CTIF and SCHD have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CTIF and SCHD?
CTIF and SCHD share 5 common holdings with a 10.6% weight overlap. Combined, they hold 118 unique securities.
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.
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