DDFO vs SCHD

Quick Verdict

SCHD has a lower expense ratio. SCHD offers more diversification with 100 holdings.

Lower Fees: SCHDHigher Returns: TiedMore Diversified: SCHD

Side-by-Side Comparison

MetricDDFOSCHDWinner
Expense Ratio0.79%0.06%
AUM$100M$103.7B
Dividend Yield0.00%3.31%
Holdings7104
YTD Return+5.09%+24.26%
1Y Return-+31.38%
3Y Return (annualized)-+15.08%
5Y Return (annualized)-+9.72%
Volatility (annualized)-13.6%
Max Drawdown-2.8%-33.4%
Fund FamilyInnovator ETFs TrustCharles Schwab Asset Management
CategoryAlternativeEquity
InceptionOct 1, 2025Oct 20, 2011

DDFO vs SCHD Performance

Innovator Equity Dual Directional 15 Buffer ETF - October (DDFO) is a ETF from Innovator ETFs Trust and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, DDFO is up 5.09% versus a gain of 24.26% for SCHD.

Risk: Volatility and Drawdowns

The deepest peak-to-trough decline in our data was -2.8% for DDFO and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.

Fees and Cost Over Time

DDFO charges 0.79% per year while SCHD charges 0.06%. On a $10,000 position that is $79 vs $6 annually, a gap of $73 per year that compounds over a long holding period. On income, DDFO currently yields 0.00% against 3.31% for SCHD.

Frequently Asked Questions

Which is cheaper, DDFO or SCHD?

DDFO has an expense ratio of 0.79% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $73 per year of difference.

Which pays a higher dividend, DDFO or SCHD?

DDFO yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.

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