FCUS vs SCHD
Pinnacle Focused Opportunities ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. FCUS delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | FCUS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.06% | |
| AUM | $90M | $108.7B | |
| Dividend Yield | 3.77% | 3.13% | |
| Holdings | 32 | 104 | |
| YTD Return | +21.28% | +26.54% | |
| 1Y Return | +50.87% | +30.90% | |
| 3Y Return (annualized) | +27.68% | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 29.6% | 13.6% | |
| Max Drawdown | -39.9% | -33.4% | |
| Fund Family | Pinnacle Dynamic Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 29, 2022 | Oct 20, 2011 |
FCUS vs SCHD Performance
Pinnacle Focused Opportunities ETF (FCUS) is a ETF from Pinnacle Dynamic Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FCUS returned +50.87% while SCHD returned +30.90%. Year to date, FCUS is up 21.28% versus a gain of 26.54% for SCHD.
Over three years, FCUS compounded at +27.68% per year against +16.29% for SCHD. Across the full 4-year window we track, FCUS has the edge at +25.55% annualized vs +11.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FCUS has been the more volatile fund, with annualized monthly volatility of 29.6% 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 -39.9% for FCUS 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
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
FCUS and SCHD share 1 holdings out of 130 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FCUS | Weight in SCHD | Difference |
|---|---|---|---|
| DINO | 3.38% | 0.31% | 3.07% |
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. On a $10,000 investment, that is $74 per year of difference.
Which performed better, FCUS or SCHD?
Over the past year FCUS returned +50.87% vs +30.90% for SCHD, so FCUS leads on 1-year performance. Over the longest common window we track (4 years), FCUS annualized +25.55% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, FCUS or SCHD?
FCUS has been the more volatile fund at 29.6% annualized versus 13.6% for SCHD. Worst drawdown: FCUS -39.9% vs SCHD -33.4%.
Should I hold both FCUS and SCHD?
FCUS and SCHD have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FCUS and SCHD?
FCUS and SCHD share 1 common holdings with a 0.3% weight overlap. Combined, they hold 130 unique securities.
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.
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