FDIF vs SCHD
FDIF vs SCHD
Fidelity Disruptors 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 100 holdings.
Side-by-Side Comparison
| Metric | FDIF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $110M | $103.7B | |
| Dividend Yield | 0.26% | 3.31% | |
| Holdings | 10 | 104 | |
| YTD Return | +14.53% | +24.26% | |
| 1Y Return | +20.63% | +31.38% | |
| 3Y Return (annualized) | +19.15% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 17.0% | 13.6% | |
| Max Drawdown | -22.6% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 13, 2023 | Oct 20, 2011 |
FDIF vs SCHD Performance
Fidelity Disruptors ETF (FDIF) 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 FDIF returned +20.63% while SCHD returned +31.38%. Year to date, FDIF is up 14.53% versus a gain of 24.26% for SCHD.
Over three years, FDIF compounded at +19.15% per year against +15.08% for SCHD. Across the full 3-year window we track, FDIF has the edge at +17.70% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDIF has been the more volatile fund, with annualized monthly volatility of 17.0% 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 -22.6% for FDIF 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 0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FDIF 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, FDIF currently yields 0.26% against 3.31% for SCHD.
Holdings Overlap
FDIF and SCHD share 0 holdings out of 106 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, FDIF or SCHD?
FDIF 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, FDIF or SCHD?
Over the past year FDIF returned +20.63% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), FDIF annualized +17.70% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FDIF or SCHD?
FDIF has been the more volatile fund at 17.0% annualized versus 13.6% for SCHD. Worst drawdown: FDIF -22.6% vs SCHD -33.4%.
Should I hold both FDIF and SCHD?
FDIF and SCHD have a monthly-return correlation of 0.41, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FDIF and SCHD?
FDIF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 106 unique securities.
Which pays a higher dividend, FDIF or SCHD?
FDIF yields 0.26% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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