FDCF vs SCHD
Fidelity Disruptive Communications ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | FDCF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $97M | $108.7B | |
| Dividend Yield | 0.00% | 3.13% | |
| Holdings | 43 | 104 | |
| YTD Return | +6.49% | +26.54% | |
| 1Y Return | +11.16% | +30.90% | |
| 3Y Return (annualized) | +26.62% | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 17.6% | 13.6% | |
| Max Drawdown | -22.5% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 16, 2020 | Oct 20, 2011 |
FDCF vs SCHD Performance
Fidelity Disruptive Communications ETF (FDCF) is a ETF from Fidelity Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FDCF returned +11.16% while SCHD returned +30.90%. Year to date, FDCF is up 6.49% versus a gain of 26.54% for SCHD.
Over three years, FDCF compounded at +26.62% per year against +16.29% for SCHD. Across the full 3-year window we track, FDCF has the edge at +25.26% annualized vs +11.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDCF has been the more volatile fund, with annualized monthly volatility of 17.6% 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 -22.5% for FDCF 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FDCF charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, FDCF currently yields 0.00% against 3.13% for SCHD.
Holdings Overlap
FDCF and SCHD share 0 holdings out of 139 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, FDCF or SCHD?
FDCF has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, FDCF or SCHD?
Over the past year FDCF returned +11.16% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), FDCF annualized +25.26% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, FDCF or SCHD?
FDCF has been the more volatile fund at 17.6% annualized versus 13.6% for SCHD. Worst drawdown: FDCF -22.5% vs SCHD -33.4%.
Should I hold both FDCF and SCHD?
FDCF and SCHD have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FDCF and SCHD?
FDCF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 139 unique securities.
Which pays a higher dividend, FDCF or SCHD?
FDCF yields 0.00% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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