FIDU vs SCHD
Fidelity MSCI Industrials Index ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FIDU offers more diversification with 334 holdings.
Side-by-Side Comparison
| Metric | FIDU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.06% | |
| AUM | $2.4B | $103.7B | |
| Dividend Yield | 0.90% | 3.31% | |
| Holdings | 355 | 104 | |
| YTD Return | +17.10% | +25.33% | |
| 1Y Return | +24.70% | +32.31% | |
| 3Y Return (annualized) | +20.92% | +15.40% | |
| 5Y Return (annualized) | +13.81% | +9.70% | |
| Volatility (annualized) | 18.1% | 13.6% | |
| Max Drawdown | -42.7% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 21, 2013 | Oct 20, 2011 |
FIDU vs SCHD Performance
Fidelity MSCI Industrials Index ETF (FIDU) is a ETF from Fidelity Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FIDU returned +24.70% while SCHD returned +32.31%. Year to date, FIDU is up 17.10% versus a gain of 25.33% for SCHD.
Over three years, FIDU compounded at +20.92% per year against +15.40% for SCHD; over five years the annualized figures are +13.81% and +9.70% respectively. Across the full 13-year window we track, FIDU has the edge at +11.74% annualized vs +11.45%. 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 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 -42.7% for FIDU 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 0.86. 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 0.90% against 3.31% for SCHD.
Holdings Overlap
FIDU and SCHD share 13 holdings out of 421 unique holdings combined, representing a 6.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $2 per year of difference.
Which performed better, FIDU or SCHD?
Over the past year FIDU returned +24.70% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), FIDU annualized +11.74% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, FIDU or SCHD?
FIDU has been the more volatile fund at 18.1% annualized versus 13.6% 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 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FIDU and SCHD?
FIDU and SCHD share 13 common holdings with a 6.9% weight overlap. Combined, they hold 421 unique securities.
Which pays a higher dividend, FIDU or SCHD?
FIDU yields 0.90% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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