FINA vs SCHD
Fidelity MSCI North American Subset Index ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. FINA offers more diversification with 275 holdings.
Side-by-Side Comparison
| Metric | FINA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.06% | |
| AUM | $1.2B | $108.7B | |
| Dividend Yield | 0.00% | 3.13% | |
| Holdings | 275 | 104 | |
| YTD Return | +2.63% | +28.63% | |
| 1Y Return | - | +32.53% | |
| 3Y Return (annualized) | - | +16.97% | |
| 5Y Return (annualized) | - | +10.47% | |
| Volatility (annualized) | - | 13.7% | |
| Max Drawdown | -3.1% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jul 7, 2026 | Oct 20, 2011 |
FINA vs SCHD Performance
Fidelity MSCI North American Subset Index ETF (FINA) is a ETF from Fidelity Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, FINA is up 2.63% versus a gain of 28.63% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -3.1% for FINA and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
FINA charges 0.09% per year while SCHD charges 0.06%. On a $10,000 position that is $9 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, FINA currently yields 0.00% against 3.13% for SCHD.
Holdings Overlap
FINA and SCHD share 28 holdings out of 347 unique holdings combined, representing a 8.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FINA or SCHD?
FINA has an expense ratio of 0.09% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
What is the holdings overlap between FINA and SCHD?
FINA and SCHD share 28 common holdings with a 8.1% weight overlap. Combined, they hold 347 unique securities.
Which pays a higher dividend, FINA or SCHD?
FINA yields 0.00% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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