FDLS vs SCHD
Inspire Fidelis Multi Factor ETF vs Schwab US Dividend Equity ETF
Which is better, FDLS or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. FDLS led over 3Y and the full window, SCHD over 1Y. FDLS is less concentrated, with 13.6% of the fund in its ten largest positions against 41.5%.
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 | FDLS | SCHD |
|---|---|---|
| Expense Ratio | 0.66% | 0.06%Best |
| AUM | $250M | $112.2B |
| Dividend Yield | 0.80% | 3.13% |
| Holdings | 102 | 103 |
| YTD Return | +21.46% | +27.56%Best |
| 1Y Return | +27.98% | +30.29%Best |
| 3Y Return (annualized) | +19.81%Best | +16.37% |
| 5Y Return (annualized) | - | +10.23% |
| Volatility (annualized) | 18.4% | 14.6%Best |
| Max Drawdown | -23.3% | -16.1%Best |
| $10,000 over 4 years | $18,977Best | $15,910 |
| Top 10 Weight | 13.6%Best | 41.5% |
| Fund Family | Inspire ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Aug 23, 2022 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 4 years row, are measured over the window both funds cover: Aug 24, 2022 to Sep 4, 2026 (4 years).
FDLS 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 years both funds cover.
FDLS vs SCHD Performance
Inspire Fidelis Multi Factor ETF (FDLS) is an ETF from Inspire ETFs and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year FDLS returned +27.98% while SCHD returned +30.29%. Year to date, FDLS is up 21.46% versus a gain of 27.56% for SCHD.
Over three years, FDLS compounded at +19.81% per year against +16.37% for SCHD. Across the full 4-year window we track, FDLS has the edge at +17.37% annualized vs +12.31%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDLS has been the more volatile fund, with annualized monthly volatility of 18.4% compared with 14.6% 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 -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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FDLS charges 0.66% per year while SCHD charges 0.06%. On a $10,000 position that is $66 vs $6 annually, a gap of $60 per year that compounds over a long holding period. On income, FDLS currently yields 0.80% against 3.13% for SCHD.
Holdings Overlap
6.7% of FDLS's money is in holdings SCHD also owns. 6.5% of SCHD's money is in holdings FDLS also owns.
FDLS and SCHD share little of their money.
6 positions in common, counted across the 101 positions we hold weights for in FDLS and 100 in SCHD, against full books of 102 and 103.
What only one of them owns
Our book lists 92 positions for SCHD that do not appear in our book for FDLS (93.2% of the fund), and 79 for FDLS that do not appear in SCHD (77.5%).
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 FDLS 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, FDLS or SCHD?
FDLS has an expense ratio of 0.66% while SCHD charges 0.06%. SCHD is the cheaper option, by $60 a year on a $10,000 investment.
Which performed better, FDLS or SCHD?
Over the past year FDLS returned +27.98% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), FDLS annualized +17.37% vs +12.31% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FDLS or SCHD?
FDLS has been the more volatile fund at 18.4% annualized versus 14.6% for SCHD. Worst drawdown: FDLS -23.3% vs SCHD -16.1%.
Should I hold both FDLS and SCHD?
FDLS and SCHD have a monthly-return correlation of 0.78, 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 FDLS and SCHD?
6.7% of FDLS's money is in holdings SCHD also owns. 6.5% of SCHD's is in holdings FDLS also owns. They hold 6 positions in common, counted across the 101 positions we hold weights for in FDLS and 100 in SCHD.
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.
Is SCHD better than FDLS?
SCHD has a lower expense ratio. FDLS led over 3Y and the full window, SCHD over 1Y. FDLS is less concentrated, with 13.6% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.