DARP vs SCHD
DARP vs SCHD
Grizzle Growth ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. DARP delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | DARP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.06% | |
| AUM | $32M | $103.7B | |
| Dividend Yield | 0.33% | 3.31% | |
| Holdings | 81 | 104 | |
| YTD Return | +25.36% | +24.26% | |
| 1Y Return | +53.29% | +31.38% | |
| 3Y Return (annualized) | +33.55% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 22.1% | 13.6% | |
| Max Drawdown | -30.3% | -33.4% | |
| Fund Family | Grizzle Investment Management LLC | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 17, 2021 | Oct 20, 2011 |
DARP vs SCHD Performance
Grizzle Growth ETF (DARP) is a ETF from Grizzle Investment Management LLC and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DARP returned +53.29% while SCHD returned +31.38%. Year to date, DARP is up 25.36% versus a gain of 24.26% for SCHD.
Over three years, DARP compounded at +33.55% per year against +15.08% for SCHD. Across the full 3-year window we track, DARP has the edge at +33.55% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DARP has been the more volatile fund, with annualized monthly volatility of 22.1% 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 -30.3% for DARP 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 0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DARP 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, DARP currently yields 0.33% against 3.31% for SCHD.
Holdings Overlap
DARP and SCHD share 0 holdings out of 138 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, DARP or SCHD?
DARP 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, DARP or SCHD?
Over the past year DARP returned +53.29% vs +31.38% for SCHD, so DARP leads on 1-year performance. Over the longest common window we track (3 years), DARP annualized +33.55% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, DARP or SCHD?
DARP has been the more volatile fund at 22.1% annualized versus 13.6% for SCHD. Worst drawdown: DARP -30.3% vs SCHD -33.4%.
Should I hold both DARP and SCHD?
DARP and SCHD have a monthly-return correlation of 0.30, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DARP and SCHD?
DARP and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 138 unique securities.
Which pays a higher dividend, DARP or SCHD?
DARP yields 0.33% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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