CVAR vs SCHD
Cultivar 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 | CVAR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.87% | 0.06% | |
| AUM | $42M | $103.7B | |
| Dividend Yield | 1.42% | 3.31% | |
| Holdings | 91 | 104 | |
| YTD Return | +9.07% | +25.33% | |
| 1Y Return | +17.07% | +32.31% | |
| 3Y Return (annualized) | +9.54% | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 15.7% | 13.6% | |
| Max Drawdown | -19.4% | -33.4% | |
| Fund Family | Cultivar ETF | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 22, 2021 | Oct 20, 2011 |
CVAR vs SCHD Performance
Cultivar ETF (CVAR) is a ETF from Cultivar ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CVAR returned +17.07% while SCHD returned +32.31%. Year to date, CVAR is up 9.07% versus a gain of 25.33% for SCHD.
Over three years, CVAR compounded at +9.54% per year against +15.40% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.45% annualized vs +6.85%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CVAR has been the more volatile fund, with annualized monthly volatility of 15.7% 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 -19.4% for CVAR 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CVAR charges 0.87% per year while SCHD charges 0.06%. On a $10,000 position that is $87 vs $6 annually, a gap of $81 per year that compounds over a long holding period. On income, CVAR currently yields 1.42% against 3.31% for SCHD.
Holdings Overlap
CVAR and SCHD share 12 holdings out of 176 unique holdings combined, representing a 7.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CVAR or SCHD?
CVAR has an expense ratio of 0.87% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $81 per year of difference.
Which performed better, CVAR or SCHD?
Over the past year CVAR returned +17.07% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), CVAR annualized +6.85% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, CVAR or SCHD?
CVAR has been the more volatile fund at 15.7% annualized versus 13.6% for SCHD. Worst drawdown: CVAR -19.4% vs SCHD -33.4%.
Should I hold both CVAR and SCHD?
CVAR and SCHD have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CVAR and SCHD?
CVAR and SCHD share 12 common holdings with a 7.7% weight overlap. Combined, they hold 176 unique securities.
Which pays a higher dividend, CVAR or SCHD?
CVAR yields 1.42% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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