FDIG vs SCHD
Fidelity Crypto Industry and Digital Payments ETF vs Schwab US Dividend Equity ETF
Which is better, FDIG or SCHD?
Multi Alternative against Large Cap Value.
SCHD has a lower expense ratio. FDIG led over 3Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 41.8%.
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 | FDIG | SCHD |
|---|---|---|
| Expense Ratio | 0.39% | 0.06%Best |
| AUM | $248M | $112.2B |
| Dividend Yield | 1.53% | 3.13% |
| Holdings | 79 | 103 |
| YTD Return | +13.20% | +27.56%Best |
| 1Y Return | +17.78% | +30.29%Best |
| 3Y Return (annualized) | +38.03%Best | +16.37% |
| 5Y Return (annualized) | - | +10.23% |
| Volatility (annualized) | 60.3% | 14.9%Best |
| Max Drawdown | -58.3% | -16.1%Best |
| $10,000 over 4.4 years | $19,976Best | $15,381 |
| Top 10 Weight | 41.8% | 41.5%Best |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Value |
| Inception | Apr 19, 2022 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 4.4 years row, are measured over the window both funds cover: Apr 21, 2022 to Sep 4, 2026 (4.4 years).
FDIG 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 4.4 years both funds cover.
FDIG vs SCHD Performance
Fidelity Crypto Industry and Digital Payments ETF (FDIG) 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 FDIG returned +17.78% while SCHD returned +30.29%. Year to date, FDIG is up 13.20% versus a gain of 27.56% for SCHD.
Over three years, FDIG compounded at +38.03% per year against +16.37% for SCHD. Across the full 4-year window we track, FDIG has the edge at +17.03% annualized vs +10.28%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDIG has been the more volatile fund, with annualized monthly volatility of 60.3% compared with 14.9% 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 -58.3% for FDIG 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
FDIG charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, FDIG currently yields 1.53% against 3.13% for SCHD.
Holdings Overlap
We hold position weights for 54 holdings in FDIG and 100 in SCHD, totalling 103.6% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 54 positions we hold weights for in FDIG and 100 in SCHD, against full books of 79 and 103.
What only one of them owns
Our book lists 99 positions for SCHD that do not appear in our book for FDIG (99.9% of the fund), and 37 for FDIG that do not appear in SCHD (81.1%).
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.
You are not choosing between two funds in isolation.
Whichever of FDIG 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, FDIG or SCHD?
FDIG has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option, by $33 a year on a $10,000 investment.
Which performed better, FDIG or SCHD?
Over the past year FDIG returned +17.78% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), FDIG annualized +17.03% vs +10.28% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FDIG or SCHD?
FDIG has been the more volatile fund at 60.3% annualized versus 14.9% for SCHD. Worst drawdown: FDIG -58.3% vs SCHD -16.1%.
Should I hold both FDIG and SCHD?
FDIG 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.
Which pays a higher dividend, FDIG or SCHD?
FDIG yields 1.53% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than FDIG?
SCHD has a lower expense ratio. FDIG led over 3Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.