FFLG vs SCHD
Fidelity Fundamental Large Cap Growth ETF vs Schwab US Dividend Equity ETF
Which is better, FFLG or SCHD?
Large Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. FFLG led over 3Y, SCHD over 1Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 57.7%.
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 | FFLG | SCHD |
|---|---|---|
| Expense Ratio | 0.38% | 0.06%Best |
| AUM | $590M | $112.2B |
| Dividend Yield | 0.14% | 3.13% |
| Holdings | 104 | 103 |
| YTD Return | +10.71% | +28.59%Best |
| 1Y Return | +18.76% | +31.77%Best |
| 3Y Return (annualized) | +24.38%Best | +16.70% |
| 5Y Return (annualized) | +8.83% | +10.09%Best |
| Volatility (annualized) | 22.1% | 14.6%Best |
| Max Drawdown | -44.6% | -16.9%Best |
| $10,000 over 5 years | $15,267 | $16,171Best |
| Top 10 Weight | 57.7% | 41.5%Best |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Value |
| Inception | Feb 2, 2021 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Feb 4, 2021 to Sep 3, 2026 (5.6 years).
FFLG 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 5.6 years both funds cover.
FFLG vs SCHD Performance
Fidelity Fundamental Large Cap Growth ETF (FFLG) 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 FFLG returned +18.76% while SCHD returned +31.77%. Year to date, FFLG is up 10.71% versus a gain of 28.59% for SCHD.
Over three years, FFLG compounded at +24.38% per year against +16.70% for SCHD; over five years the annualized figures are +8.83% and +10.09% respectively. Across the full 6-year window we track, SCHD has the edge at +12.63% annualized vs +9.54%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FFLG has been the more volatile fund, with annualized monthly volatility of 22.1% 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 -44.6% for FFLG and -16.9% 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 0.42. They move together some of the time, and apart the rest.
Fees and Cost Over Time
FFLG charges 0.38% per year while SCHD charges 0.06%. On a $10,000 position that is $38 vs $6 annually, a gap of $32 per year that compounds over a long holding period. On income, FFLG currently yields 0.14% against 3.13% for SCHD.
Holdings Overlap
0.4% of FFLG's money is in holdings SCHD also owns. 5.8% of SCHD's money is in holdings FFLG also owns.
SCHD and FFLG share little of their money.
2 positions in common, counted across the 101 positions we hold weights for in FFLG and 100 in SCHD, against full books of 104 and 103.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for FFLG (94.1% of the fund), and 88 for FFLG that do not appear in SCHD (94.0%).
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 FFLG 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, FFLG or SCHD?
FFLG has an expense ratio of 0.38% while SCHD charges 0.06%. SCHD is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, FFLG or SCHD?
Over the past year FFLG returned +18.76% vs +31.77% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), FFLG annualized +9.54% vs +12.63% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FFLG or SCHD?
FFLG has been the more volatile fund at 22.1% annualized versus 14.6% for SCHD. Worst drawdown: FFLG -44.6% vs SCHD -16.9%.
Should I hold both FFLG and SCHD?
FFLG and SCHD have a monthly-return correlation of 0.42, 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 FFLG and SCHD?
5.8% of SCHD's money is in holdings FFLG also owns. 5.8% of SCHD's is in holdings FFLG also owns. They hold 2 positions in common, counted across the 101 positions we hold weights for in FFLG and 100 in SCHD.
Which pays a higher dividend, FFLG or SCHD?
FFLG yields 0.14% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than FFLG?
SCHD has a lower expense ratio. FFLG led over 3Y, SCHD over 1Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 57.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.