EMF vs SCHD
EMF vs SCHD
Templeton Emerging Markets Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. EMF delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | EMF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.50% | 0.06% | |
| AUM | $6,444.06 | $103.7B | |
| Dividend Yield | 6.49% | 3.31% | |
| Holdings | 100 | 104 | |
| YTD Return | +29.61% | +24.26% | |
| 1Y Return | +59.22% | +31.38% | |
| 3Y Return (annualized) | +31.63% | +15.08% | |
| 5Y Return (annualized) | +12.36% | +9.72% | |
| Volatility (annualized) | 29.3% | 13.6% | |
| Max Drawdown | -73.7% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 27, 1987 | Oct 20, 2011 |
EMF vs SCHD Performance
Templeton Emerging Markets Fund (EMF) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EMF returned +59.22% while SCHD returned +31.38%. Year to date, EMF is up 29.61% versus a gain of 24.26% for SCHD.
Over three years, EMF compounded at +31.63% per year against +15.08% for SCHD; over five years the annualized figures are +12.36% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +1.78%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EMF has been the more volatile fund, with annualized monthly volatility of 29.3% 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 -73.7% for EMF 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EMF charges 1.50% per year while SCHD charges 0.06%. On a $10,000 position that is $150 vs $6 annually, a gap of $144 per year that compounds over a long holding period. On income, EMF currently yields 6.49% against 3.31% for SCHD.
Holdings Overlap
EMF and SCHD share 0 holdings out of 185 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, EMF or SCHD?
EMF has an expense ratio of 1.50% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $144 per year of difference.
Which performed better, EMF or SCHD?
Over the past year EMF returned +59.22% vs +31.38% for SCHD, so EMF leads on 1-year performance. Over the longest common window we track (15 years), EMF annualized +1.78% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, EMF or SCHD?
EMF has been the more volatile fund at 29.3% annualized versus 13.6% for SCHD. Worst drawdown: EMF -73.7% vs SCHD -33.4%.
Should I hold both EMF and SCHD?
EMF and SCHD have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EMF and SCHD?
EMF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 185 unique securities.
Which pays a higher dividend, EMF or SCHD?
EMF yields 6.49% while SCHD yields 3.31%, so EMF currently pays the higher dividend yield.
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