FIDU vs SCHD
Fidelity MSCI Industrials Index ETF vs Schwab US Dividend Equity ETF
Which is better, FIDU or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. FIDU led over 3Y, 5Y and the full window, SCHD over 1Y. FIDU is less concentrated, with 31.3% of the fund in its ten largest positions against 41.8%.
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 | FIDU | SCHD |
|---|---|---|
| Expense Ratio | 0.08% | 0.06%Best |
| AUM | $2.3B | $112.1B |
| Dividend Yield | 0.95% | 3.00% |
| Holdings | 364 | 103 |
| YTD Return | +8.07% | +23.68%Best |
| 1Y Return | +11.81% | +28.36%Best |
| 3Y Return (annualized) | +19.93%Best | +16.20% |
| 5Y Return (annualized) | +12.96%Best | +10.07% |
| Volatility (annualized) | 18.1% | 14.3%Best |
| Max Drawdown | -42.7% | -33.4%Best |
| $10,000 over 5 years | $18,392Best | $16,156 |
| Top 10 Weight | 31.3%Best | 41.8% |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Oct 21, 2013 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 24, 2013 to Sep 22, 2026 (12.9 years).
FIDU 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 12.9 years both funds cover.
FIDU vs SCHD Performance
Fidelity MSCI Industrials Index ETF (FIDU) 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 FIDU returned +11.81% while SCHD returned +28.36%. Year to date, FIDU is up 8.07% versus a gain of 23.68% for SCHD.
Over three years, FIDU compounded at +19.93% per year against +16.20% for SCHD; over five years the annualized figures are +12.96% and +10.07% respectively. Across the full 13-year window we track, FIDU has the edge at +10.94% annualized vs +10.23%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FIDU has been the more volatile fund, with annualized monthly volatility of 18.1% compared with 14.3% 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 -42.7% for FIDU and -33.4% 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FIDU charges 0.08% per year while SCHD charges 0.06%. On a $10,000 position that is $8 vs $6 annually, a gap of $2 per year that compounds over a long holding period. On income, FIDU currently yields 0.95% against 3.00% for SCHD.
Holdings Overlap
6.9% of FIDU's money is in holdings SCHD also owns. 11.7% of SCHD's money is in holdings FIDU also owns.
SCHD and FIDU share little of their money.
12 positions in common, counted across the 350 positions we hold weights for in FIDU and 100 in SCHD, against full books of 364 and 103.
What only one of them owns
Our book lists 87 positions for SCHD that do not appear in our book for FIDU (88.3% of the fund), and 326 for FIDU that do not appear in SCHD (90.8%).
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.
Top Shared Holdings
| Stock | Weight in FIDU | Weight in SCHD | Difference |
|---|---|---|---|
| ADPAutomatic Data Processing, Inc. | 1.65% | 2.79% | 1.14% |
| LMTLockheed Martin Corp | 1.61% | 2.78% | 1.17% |
| UPSUnited Parcel Service, Inc | 1.12% | 1.90% | 0.78% |
| FASTFastenal Co. | 0.82% | 1.38% | 0.56% |
| PAYXPaychex, Inc. | 0.58% | 1.00% | 0.42% |
| BRBroadridge Financial Solutions, Inc. | 0.30% | 0.51% | 0.21% |
| SNASnap-On Inc. | 0.29% | 0.49% | 0.20% |
| WSOWatsco Inc | 0.16% | 0.26% | 0.10% |
| BAHBooz Allen Hamilton Holding Corp. | 0.13% | 0.22% | 0.09% |
| MSMMsc Industrial Direct Co Inc | 0.08% | 0.13% | 0.05% |
You are not choosing between two funds in isolation.
Whichever of FIDU 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, FIDU or SCHD?
FIDU has an expense ratio of 0.08% while SCHD charges 0.06%. SCHD is the cheaper option, by $2 a year on a $10,000 investment.
Which performed better, FIDU or SCHD?
Over the past year FIDU returned +11.81% vs +28.36% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), FIDU annualized +10.94% vs +10.23% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FIDU or SCHD?
FIDU has been the more volatile fund at 18.1% annualized versus 14.3% for SCHD. Worst drawdown: FIDU -42.7% vs SCHD -33.4%.
Should I hold both FIDU and SCHD?
FIDU and SCHD have a monthly-return correlation of 0.85, 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 FIDU and SCHD?
11.7% of SCHD's money is in holdings FIDU also owns. 11.7% of SCHD's is in holdings FIDU also owns. They hold 12 positions in common, counted across the 350 positions we hold weights for in FIDU and 100 in SCHD.
Which pays a higher dividend, FIDU or SCHD?
FIDU yields 0.95% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than FIDU?
SCHD has a lower expense ratio. FIDU led over 3Y, 5Y and the full window, SCHD over 1Y. FIDU is less concentrated, with 31.3% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.