EFAX vs SCHD
State Street SPDR MSCI EAFE Fossil Fuel Reserves Free ETF vs Schwab US Dividend Equity ETF
Which is better, EFAX or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. EFAX led over 3Y, SCHD over 1Y, 5Y and the full window. EFAX is less concentrated, with 14.6% of the fund in its ten largest positions against 41.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | EFAX | SCHD |
|---|---|---|
| Expense Ratio | 0.20% | 0.06%Best |
| AUM | $515M | $112.2B |
| Dividend Yield | 3.12% | 3.13% |
| Holdings | 658 | 103 |
| YTD Return | +11.53% | +27.56%Best |
| 1Y Return | +19.99% | +30.29%Best |
| 3Y Return (annualized) | +18.52%Best | +16.37% |
| 5Y Return (annualized) | +8.07% | +10.23%Best |
| Volatility (annualized) | 15.2%Best | 15.3% |
| Max Drawdown | -36.2% | -33.4%Best |
| $10,000 over 5 years | $14,741 | $16,274Best |
| Top 10 Weight | 14.6%Best | 41.5% |
| Fund Family | SPDR State Street Global Advisors | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Oct 24, 2016 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 25, 2016 to Sep 4, 2026 (9.9 years).
EFAX vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 9.9 years both funds cover.
EFAX vs SCHD Performance
State Street SPDR MSCI EAFE Fossil Fuel Reserves Free ETF (EFAX) is an ETF from SPDR State Street Global Advisors and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year EFAX returned +19.99% while SCHD returned +30.29%. Year to date, EFAX is up 11.53% versus a gain of 27.56% for SCHD.
Over three years, EFAX compounded at +18.52% per year against +16.37% for SCHD; over five years the annualized figures are +8.07% and +10.23% respectively. Across the full 10-year window we track, SCHD has the edge at +11.94% annualized vs +8.11%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 15.2% for EFAX. 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 -36.2% for EFAX and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
EFAX charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, EFAX currently yields 3.12% against 3.13% for SCHD.
Holdings Overlap
0.1% of EFAX's money is in holdings SCHD also owns. 2.8% of SCHD's money is in holdings EFAX also owns.
SCHD and EFAX share little of their money.
2 positions in common, counted across the 631 positions we hold weights for in EFAX and 100 in SCHD, against full books of 658 and 103.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for EFAX (97.1% of the fund), and 17 for EFAX that do not appear in SCHD (3.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of EFAX and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, EFAX or SCHD?
EFAX has an expense ratio of 0.20% while SCHD charges 0.06%. SCHD is the cheaper option, by $14 a year on a $10,000 investment.
Which performed better, EFAX or SCHD?
Over the past year EFAX returned +19.99% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (10 years), EFAX annualized +8.11% vs +11.94% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, EFAX or SCHD?
SCHD has been the more volatile fund at 15.3% annualized versus 15.2% for EFAX. Worst drawdown: EFAX -36.2% vs SCHD -33.4%.
Should I hold both EFAX and SCHD?
EFAX and SCHD have a monthly-return correlation of 0.78, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between EFAX and SCHD?
2.8% of SCHD's money is in holdings EFAX also owns. 2.8% of SCHD's is in holdings EFAX also owns. They hold 2 positions in common, counted across the 631 positions we hold weights for in EFAX and 100 in SCHD.
Which pays a higher dividend, EFAX or SCHD?
EFAX yields 3.12% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than EFAX?
SCHD has a lower expense ratio. EFAX led over 3Y, SCHD over 1Y, 5Y and the full window. EFAX is less concentrated, with 14.6% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.