DMCY vs SCHD
Democracy International Fund 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 | DMCY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $5M | $108.7B | |
| Dividend Yield | 2.94% | 3.13% | |
| Holdings | 5 | 104 | |
| YTD Return | +4.90% | +28.63% | |
| 1Y Return | +26.32% | +32.53% | |
| 3Y Return (annualized) | +14.13% | +16.97% | |
| 5Y Return (annualized) | - | +10.47% | |
| Volatility (annualized) | 14.7% | 13.7% | |
| Max Drawdown | -28.6% | -33.4% | |
| Fund Family | Democracy Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Mar 31, 2021 | Oct 20, 2011 |
DMCY vs SCHD Performance
Democracy International Fund (DMCY) is a ETF from Democracy Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DMCY returned +26.32% while SCHD returned +32.53%. Year to date, DMCY is up 4.90% versus a gain of 28.63% for SCHD.
Over three years, DMCY compounded at +14.13% per year against +16.97% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.63% annualized vs +7.91%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DMCY has been the more volatile fund, with annualized monthly volatility of 14.7% compared with 13.7% 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 -28.6% for DMCY 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DMCY charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, DMCY currently yields 2.94% against 3.13% for SCHD.
Holdings Overlap
DMCY and SCHD share 0 holdings out of 298 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, DMCY or SCHD?
DMCY has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, DMCY or SCHD?
Over the past year DMCY returned +26.32% vs +32.53% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), DMCY annualized +7.91% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, DMCY or SCHD?
DMCY has been the more volatile fund at 14.7% annualized versus 13.7% for SCHD. Worst drawdown: DMCY -28.6% vs SCHD -33.4%.
Should I hold both DMCY and SCHD?
DMCY and SCHD have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DMCY and SCHD?
DMCY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 298 unique securities.
Which pays a higher dividend, DMCY or SCHD?
DMCY yields 2.94% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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