FFND vs SCHD
FFND vs SCHD
One Global 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 | FFND | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.00% | 0.06% | |
| AUM | $100M | $103.7B | |
| Dividend Yield | 0.61% | 3.31% | |
| Holdings | 93 | 104 | |
| YTD Return | +11.66% | +24.26% | |
| 1Y Return | +20.23% | +31.38% | |
| 3Y Return (annualized) | +21.00% | +15.08% | |
| 5Y Return (annualized) | +6.07% | +9.72% | |
| Volatility (annualized) | 23.0% | 13.6% | |
| Max Drawdown | -47.8% | -33.4% | |
| Fund Family | The Future Fund | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Aug 24, 2021 | Oct 20, 2011 |
FFND vs SCHD Performance
One Global ETF (FFND) 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 FFND returned +20.23% while SCHD returned +31.38%. Year to date, FFND is up 11.66% versus a gain of 24.26% for SCHD.
Over three years, FFND compounded at +21.00% per year against +15.08% for SCHD; over five years the annualized figures are +6.07% and +9.72% respectively. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +6.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FFND has been the more volatile fund, with annualized monthly volatility of 23.0% 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 -47.8% for FFND 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FFND charges 1.00% per year while SCHD charges 0.06%. On a $10,000 position that is $100 vs $6 annually, a gap of $94 per year that compounds over a long holding period. On income, FFND currently yields 0.61% against 3.31% for SCHD.
Holdings Overlap
FFND and SCHD share 3 holdings out of 187 unique holdings combined, representing a 1.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FFND or SCHD?
FFND has an expense ratio of 1.00% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $94 per year of difference.
Which performed better, FFND or SCHD?
Over the past year FFND returned +20.23% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), FFND annualized +6.07% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FFND or SCHD?
FFND has been the more volatile fund at 23.0% annualized versus 13.6% for SCHD. Worst drawdown: FFND -47.8% vs SCHD -33.4%.
Should I hold both FFND and SCHD?
FFND and SCHD have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FFND and SCHD?
FFND and SCHD share 3 common holdings with a 1.9% weight overlap. Combined, they hold 187 unique securities.
Which pays a higher dividend, FFND or SCHD?
FFND yields 0.61% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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