FDFF vs SCHD
Fidelity Disruptive Finance ETF vs Schwab US Dividend Equity ETF
Which is better, FDFF or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 49.4%.
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 | FDFF | SCHD |
|---|---|---|
| Expense Ratio | 0.50% | 0.06%Best |
| AUM | $44M | $112.2B |
| Dividend Yield | 0.98% | 3.13% |
| Holdings | 52 | 103 |
| YTD Return | +6.89% | +27.56%Best |
| 1Y Return | +3.43% | +30.29%Best |
| 3Y Return (annualized) | +13.93% | +16.37%Best |
| 5Y Return (annualized) | - | +10.23% |
| Volatility (annualized) | 19.4% | 13.1%Best |
| Max Drawdown | -23.1% | -16.1%Best |
| $10,000 over 3.2 years | $15,432 | $16,239Best |
| Top 10 Weight | 49.4% | 41.5%Best |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Feb 13, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Jun 12, 2023 to Sep 4, 2026 (3.2 years).
FDFF 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 3.2 years both funds cover.
FDFF vs SCHD Performance
Fidelity Disruptive Finance ETF (FDFF) is an ETF from Fidelity Investments (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year FDFF returned +3.43% while SCHD returned +30.29%. Year to date, FDFF is up 6.89% versus a gain of 27.56% for SCHD.
Over three years, FDFF compounded at +13.93% per year against +16.37% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDFF has been the more volatile fund, with annualized monthly volatility of 19.4% compared with 13.1% 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 -23.1% for FDFF 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 0.55. They move together some of the time, and apart the rest.
Fees and Cost Over Time
FDFF 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, FDFF currently yields 0.98% against 3.13% for SCHD.
Holdings Overlap
1.1% of FDFF's money is in holdings SCHD also owns. 0.7% of SCHD's money is in holdings FDFF also owns.
FDFF and SCHD share little of their money.
1 positions in common, counted across the 47 positions we hold weights for in FDFF and 100 in SCHD, against full books of 52 and 103.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for FDFF (99.0% of the fund), and 39 for FDFF that do not appear in SCHD (80.9%).
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.
Top Shared Holdings
| Stock | Weight in FDFF | Weight in SCHD | Difference |
|---|---|---|---|
| ARESAres Management Corp Preferred Stock 7 | 1.15% | 0.72% | 0.43% |
You are not choosing between two funds in isolation.
Whichever of FDFF 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, FDFF or SCHD?
FDFF has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option, by $44 a year on a $10,000 investment.
Which performed better, FDFF or SCHD?
Over the past year FDFF returned +3.43% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FDFF or SCHD?
FDFF has been the more volatile fund at 19.4% annualized versus 13.1% for SCHD. Worst drawdown: FDFF -23.1% vs SCHD -16.1%.
Should I hold both FDFF and SCHD?
FDFF and SCHD have a monthly-return correlation of 0.55, 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 FDFF and SCHD?
1.1% of FDFF's money is in holdings SCHD also owns. 0.7% of SCHD's is in holdings FDFF also owns. They hold 1 positions in common, counted across the 47 positions we hold weights for in FDFF and 100 in SCHD.
Which pays a higher dividend, FDFF or SCHD?
FDFF yields 0.98% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than FDFF?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 49.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.