FCUS vs SCHD
Pinnacle Focused Opportunities ETF vs Schwab US Dividend Equity ETF
Which is better, FCUS or SCHD?
Mid Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. FCUS led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 45.6%.
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 | FCUS | SCHD |
|---|---|---|
| Expense Ratio | 0.80% | 0.06%Best |
| AUM | $84M | $112.2B |
| Dividend Yield | 3.77% | 3.13% |
| Holdings | 32 | 103 |
| YTD Return | +14.50% | +27.56%Best |
| 1Y Return | +41.70%Best | +30.29% |
| 3Y Return (annualized) | +24.54%Best | +16.37% |
| 5Y Return (annualized) | - | +10.23% |
| Volatility (annualized) | 29.0% | 13.0%Best |
| Max Drawdown | -39.9% | -16.1%Best |
| $10,000 over 3.7 years | $21,621Best | $15,749 |
| Top 10 Weight | 45.6% | 41.5%Best |
| Fund Family | Pinnacle Dynamic Funds | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Value |
| Inception | Dec 29, 2022 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3.7 years row, are measured over the window both funds cover: Dec 30, 2022 to Sep 4, 2026 (3.7 years).
FCUS 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 3.7 years both funds cover.
FCUS vs SCHD Performance
Pinnacle Focused Opportunities ETF (FCUS) is an ETF from Pinnacle Dynamic Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year FCUS returned +41.70% while SCHD returned +30.29%. Year to date, FCUS is up 14.50% versus a gain of 27.56% for SCHD.
Over three years, FCUS compounded at +24.54% per year against +16.37% for SCHD. Across the full 4-year window we track, FCUS has the edge at +23.17% annualized vs +13.06%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FCUS has been the more volatile fund, with annualized monthly volatility of 29.0% compared with 13.0% 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 -39.9% for FCUS and -16.1% 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 0.41. They move together some of the time, and apart the rest.
Fees and Cost Over Time
FCUS charges 0.80% per year while SCHD charges 0.06%. On a $10,000 position that is $80 vs $6 annually, a gap of $74 per year that compounds over a long holding period. On income, FCUS currently yields 3.77% against 3.13% for SCHD.
Holdings Overlap
4.1% of FCUS's money is in holdings SCHD also owns. 0.3% of SCHD's money is in holdings FCUS also owns.
FCUS and SCHD share little of their money.
1 positions in common, counted across the 31 positions we hold weights for in FCUS and 100 in SCHD, against full books of 32 and 103.
What only one of them owns
Measured across the 31 and 100 positions we hold weights for.
SCHD holds 98 positions FCUS does not, 99.6% of the fund.
Largest: ABT 4.70%, AMGN 4.62%, HD 4.32%, MRK 4.26%, KO 4.20%
Top Shared Holdings
| Stock | Weight in FCUS | Weight in SCHD | Difference |
|---|---|---|---|
| DINOHollyfrontier | 4.14% | 0.31% | 3.83% |
You are not choosing between two funds in isolation.
Whichever of FCUS 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, FCUS or SCHD?
FCUS has an expense ratio of 0.80% while SCHD charges 0.06%. SCHD is the cheaper option, by $74 a year on a $10,000 investment.
Which performed better, FCUS or SCHD?
Over the past year FCUS returned +41.70% vs +30.29% for SCHD, so FCUS leads on 1-year performance. Over the longest common window we track (4 years), FCUS annualized +23.17% vs +13.06% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FCUS or SCHD?
FCUS has been the more volatile fund at 29.0% annualized versus 13.0% for SCHD. Worst drawdown: FCUS -39.9% vs SCHD -16.1%.
Should I hold both FCUS and SCHD?
FCUS and SCHD have a monthly-return correlation of 0.41, 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 FCUS and SCHD?
4.1% of FCUS's money is in holdings SCHD also owns. 0.3% of SCHD's is in holdings FCUS also owns. They hold 1 positions in common, counted across the 31 positions we hold weights for in FCUS and 100 in SCHD.
Which pays a higher dividend, FCUS or SCHD?
FCUS yields 3.77% while SCHD yields 3.13%, so FCUS currently pays the higher dividend yield.
Is SCHD better than FCUS?
SCHD has a lower expense ratio. FCUS led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 45.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.