EPAI vs SCHD
Harbor AI Inflection Strategy ETF vs Schwab US Dividend Equity ETF
Which is better, EPAI or SCHD?
Mid Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. EPAI is less concentrated, with 36.5% of the fund in its ten largest positions against 41.8%.
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 | EPAI | SCHD |
|---|---|---|
| Expense Ratio | 0.88% | 0.06%Best |
| AUM | $5M | $112.1B |
| Dividend Yield | 0.00% | 3.00% |
| Holdings | 38 | 103 |
| YTD Return | +31.69%Best | +23.60% |
| 1Y Return | - | +28.29% |
| 3Y Return (annualized) | - | +16.25% |
| 5Y Return (annualized) | - | +10.25% |
| Top 10 Weight | 36.5%Best | 41.8% |
| Fund Family | Harbor Funds | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Value |
| Inception | Dec 17, 2025 | Oct 20, 2011 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
EPAI 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
EPAI vs SCHD Performance
Harbor AI Inflection Strategy ETF (EPAI) is an ETF from Harbor Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Year to date, EPAI is up 31.69% versus a gain of 23.60% for SCHD.
Past performance does not guarantee future results.
Fees and Cost Over Time
EPAI charges 0.88% per year while SCHD charges 0.06%. On a $10,000 position that is $88 vs $6 annually, a gap of $82 per year that compounds over a long holding period. On income, EPAI currently yields 0.00% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 37 holdings in EPAI and 100 in SCHD, totalling 99.2% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 37 positions we hold weights for in EPAI and 100 in SCHD, against full books of 38 and 103.
What only one of them owns
Our book lists 99 positions for SCHD that do not appear in our book for EPAI (99.9% of the fund), and 34 for EPAI that do not appear in SCHD (88.3%).
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 EPAI 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, EPAI or SCHD?
EPAI has an expense ratio of 0.88% while SCHD charges 0.06%. SCHD is the cheaper option, by $82 a year on a $10,000 investment.
Which pays a higher dividend, EPAI or SCHD?
EPAI yields 0.00% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than EPAI?
SCHD has a lower expense ratio. EPAI is less concentrated, with 36.5% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.