FDLS vs SCHD
Inspire Fidelis Multi Factor ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. FDLS delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | FDLS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.06% | |
| AUM | $244M | $108.7B | |
| Dividend Yield | 0.80% | 3.13% | |
| Holdings | 101 | 104 | |
| YTD Return | +22.83% | +26.54% | |
| 1Y Return | +33.81% | +30.90% | |
| 3Y Return (annualized) | +20.16% | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 18.6% | 13.6% | |
| Max Drawdown | -23.3% | -33.4% | |
| Fund Family | Inspire ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Aug 23, 2022 | Oct 20, 2011 |
FDLS vs SCHD Performance
Inspire Fidelis Multi Factor ETF (FDLS) is a ETF from Inspire ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FDLS returned +33.81% while SCHD returned +30.90%. Year to date, FDLS is up 22.83% versus a gain of 26.54% for SCHD.
Over three years, FDLS compounded at +20.16% per year against +16.29% for SCHD. Across the full 4-year window we track, FDLS has the edge at +17.97% annualized vs +11.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDLS has been the more volatile fund, with annualized monthly volatility of 18.6% 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 -23.3% for FDLS 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FDLS charges 0.69% per year while SCHD charges 0.06%. On a $10,000 position that is $69 vs $6 annually, a gap of $63 per year that compounds over a long holding period. On income, FDLS currently yields 0.80% against 3.13% for SCHD.
Holdings Overlap
FDLS and SCHD share 6 holdings out of 195 unique holdings combined, representing a 4.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FDLS or SCHD?
FDLS has an expense ratio of 0.69% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, FDLS or SCHD?
Over the past year FDLS returned +33.81% vs +30.90% for SCHD, so FDLS leads on 1-year performance. Over the longest common window we track (4 years), FDLS annualized +17.97% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, FDLS or SCHD?
FDLS has been the more volatile fund at 18.6% annualized versus 13.6% for SCHD. Worst drawdown: FDLS -23.3% vs SCHD -33.4%.
Should I hold both FDLS and SCHD?
FDLS and SCHD have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FDLS and SCHD?
FDLS and SCHD share 6 common holdings with a 4.6% weight overlap. Combined, they hold 195 unique securities.
Which pays a higher dividend, FDLS or SCHD?
FDLS yields 0.80% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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