FINS vs SCHD
Angel Oak Financial Strategies Income Term Trust vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | FINS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | - | 0.06% | |
| AUM | $449M | $103.7B | |
| Dividend Yield | 10.11% | 3.31% | |
| Holdings | 242 | 104 | |
| YTD Return | +2.00% | +25.58% | |
| 1Y Return | +6.65% | +31.06% | |
| 3Y Return (annualized) | +12.66% | +15.55% | |
| 5Y Return (annualized) | +1.97% | +9.61% | |
| Volatility (annualized) | 10.5% | 13.6% | |
| Max Drawdown | -41.5% | -33.4% | |
| Fund Family | Angel Oak Capital Advisors | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | May 29, 2019 | Oct 20, 2011 |
FINS vs SCHD Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is a ETF from Angel Oak Capital Advisors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FINS returned +6.65% while SCHD returned +31.06%. Year to date, FINS is up 2.00% versus a gain of 25.58% for SCHD.
Over three years, FINS compounded at +12.66% per year against +15.55% for SCHD; over five years the annualized figures are +1.97% and +9.61% respectively. Across the full 7-year window we track, SCHD has the edge at +11.46% annualized vs +0.74%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.5% for FINS. 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 -41.5% for FINS 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Holdings Overlap
FINS and SCHD share 2 holdings out of 165 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which performed better, FINS or SCHD?
Over the past year FINS returned +6.65% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), FINS annualized +0.74% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, FINS or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.5% for FINS. Worst drawdown: FINS -41.5% vs SCHD -33.4%.
Should I hold both FINS and SCHD?
FINS and SCHD have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FINS and SCHD?
FINS and SCHD share 2 common holdings with a 0.2% weight overlap. Combined, they hold 165 unique securities.
Which pays a higher dividend, FINS or SCHD?
FINS yields 10.11% while SCHD yields 3.31%, so FINS currently pays the higher dividend yield.
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