FFLS vs SCHD
FFLS vs SCHD
The Future Fund Long/Short 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 100 holdings.
Side-by-Side Comparison
| Metric | FFLS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.60% | 0.06% | |
| AUM | $42M | $103.7B | |
| Dividend Yield | 6.55% | 3.31% | |
| Holdings | 52 | 104 | |
| YTD Return | +3.38% | +24.26% | |
| 1Y Return | +1.12% | +31.38% | |
| 3Y Return (annualized) | +11.47% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 9.7% | 13.6% | |
| Max Drawdown | -11.1% | -33.4% | |
| Fund Family | The Future Fund | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jun 20, 2022 | Oct 20, 2011 |
FFLS vs SCHD Performance
The Future Fund Long/Short ETF (FFLS) is a ETF from The Future Fund and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FFLS returned +1.12% while SCHD returned +31.38%. Year to date, FFLS is up 3.38% versus a gain of 24.26% for SCHD.
Over three years, FFLS compounded at +11.47% per year against +15.08% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.39% annualized vs +9.77%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.7% for FFLS. 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 -11.1% for FFLS 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 0.24. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FFLS charges 1.60% per year while SCHD charges 0.06%. On a $10,000 position that is $160 vs $6 annually, a gap of $154 per year that compounds over a long holding period. On income, FFLS currently yields 6.55% against 3.31% for SCHD.
Holdings Overlap
FFLS and SCHD share 1 holdings out of 152 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FFLS | Weight in SCHD | Difference |
|---|---|---|---|
| ACN | -2.20% | 2.24% | 4.44% |
Frequently Asked Questions
Which is cheaper, FFLS or SCHD?
FFLS has an expense ratio of 1.60% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $154 per year of difference.
Which performed better, FFLS or SCHD?
Over the past year FFLS returned +1.12% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), FFLS annualized +9.77% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FFLS or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.7% for FFLS. Worst drawdown: FFLS -11.1% vs SCHD -33.4%.
Should I hold both FFLS and SCHD?
FFLS and SCHD have a monthly-return correlation of 0.24, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FFLS and SCHD?
FFLS and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 152 unique securities.
Which pays a higher dividend, FFLS or SCHD?
FFLS yields 6.55% while SCHD yields 3.31%, so FFLS currently pays the higher dividend yield.
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