FGDL vs SCHD
Franklin Responsibly Sourced Gold 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 | FGDL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $415M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 2 | 104 | |
| YTD Return | -0.20% | +26.21% | |
| 1Y Return | +29.33% | +29.99% | |
| 3Y Return (annualized) | +31.43% | +15.73% | |
| 5Y Return (annualized) | - | +9.67% | |
| Volatility (annualized) | 17.7% | 13.6% | |
| Max Drawdown | -26.6% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jun 30, 2022 | Oct 20, 2011 |
FGDL vs SCHD Performance
Franklin Responsibly Sourced Gold ETF (FGDL) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FGDL returned +29.33% while SCHD returned +29.99%. Year to date, FGDL is down 0.20% versus a gain of 26.21% for SCHD.
Over three years, FGDL compounded at +31.43% per year against +15.73% for SCHD. Across the full 4-year window we track, FGDL has the edge at +23.57% annualized vs +11.50%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FGDL has been the more volatile fund, with annualized monthly volatility of 17.7% 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 -26.6% for FGDL 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 0.26. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FGDL charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, FGDL currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, FGDL or SCHD?
FGDL has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, FGDL or SCHD?
Over the past year FGDL returned +29.33% vs +29.99% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), FGDL annualized +23.57% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, FGDL or SCHD?
FGDL has been the more volatile fund at 17.7% annualized versus 13.6% for SCHD. Worst drawdown: FGDL -26.6% vs SCHD -33.4%.
Should I hold both FGDL and SCHD?
FGDL and SCHD have a monthly-return correlation of 0.26, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, FGDL or SCHD?
FGDL yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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