FDIG vs SCHD
Fidelity Crypto Industry and Digital Payments 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 | FDIG | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.06% | |
| AUM | $248M | $108.7B | |
| Dividend Yield | 1.53% | 3.13% | |
| Holdings | 66 | 104 | |
| YTD Return | +3.92% | +26.54% | |
| 1Y Return | +9.91% | +30.90% | |
| 3Y Return (annualized) | +30.51% | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 60.9% | 13.6% | |
| Max Drawdown | -58.3% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Apr 19, 2022 | Oct 20, 2011 |
FDIG vs SCHD Performance
Fidelity Crypto Industry and Digital Payments ETF (FDIG) 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 FDIG returned +9.91% while SCHD returned +30.90%. Year to date, FDIG is up 3.92% versus a gain of 26.54% for SCHD.
Over three years, FDIG compounded at +30.51% per year against +16.29% for SCHD. Across the full 4-year window we track, FDIG has the edge at +14.97% annualized vs +11.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDIG has been the more volatile fund, with annualized monthly volatility of 60.9% 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 -58.3% for FDIG 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
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
FDIG and SCHD share 0 holdings out of 156 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, FDIG or SCHD?
FDIG has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, FDIG or SCHD?
Over the past year FDIG returned +9.91% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), FDIG annualized +14.97% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, FDIG or SCHD?
FDIG has been the more volatile fund at 60.9% annualized versus 13.6% for SCHD. Worst drawdown: FDIG -58.3% vs SCHD -33.4%.
Should I hold both FDIG and SCHD?
FDIG 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 FDIG and SCHD?
FDIG and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 156 unique securities.
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.
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