FIVA vs SCHD
Fidelity International Value Factor ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. FIVA delivered stronger 1-year returns. FIVA offers more diversification with 107 holdings.
Side-by-Side Comparison
| Metric | FIVA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.06% | |
| AUM | $560M | $103.7B | |
| Dividend Yield | 2.64% | 3.31% | |
| Holdings | 113 | 104 | |
| YTD Return | +17.20% | +25.33% | |
| 1Y Return | +36.16% | +32.31% | |
| 3Y Return (annualized) | +23.09% | +15.40% | |
| 5Y Return (annualized) | +14.24% | +9.70% | |
| Volatility (annualized) | 17.1% | 13.6% | |
| Max Drawdown | -44.3% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jan 16, 2018 | Oct 20, 2011 |
FIVA vs SCHD Performance
Fidelity International Value Factor ETF (FIVA) 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 FIVA returned +36.16% while SCHD returned +32.31%. Year to date, FIVA is up 17.20% versus a gain of 25.33% for SCHD.
Over three years, FIVA compounded at +23.09% per year against +15.40% for SCHD; over five years the annualized figures are +14.24% and +9.70% respectively. Across the full 9-year window we track, SCHD has the edge at +11.45% annualized vs +7.89%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FIVA has been the more volatile fund, with annualized monthly volatility of 17.1% 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 -44.3% for FIVA 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FIVA charges 0.18% per year while SCHD charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, FIVA currently yields 2.64% against 3.31% for SCHD.
Holdings Overlap
FIVA and SCHD share 0 holdings out of 207 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FIVA or SCHD?
FIVA has an expense ratio of 0.18% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, FIVA or SCHD?
Over the past year FIVA returned +36.16% vs +32.31% for SCHD, so FIVA leads on 1-year performance. Over the longest common window we track (9 years), FIVA annualized +7.89% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, FIVA or SCHD?
FIVA has been the more volatile fund at 17.1% annualized versus 13.6% for SCHD. Worst drawdown: FIVA -44.3% vs SCHD -33.4%.
Should I hold both FIVA and SCHD?
FIVA and SCHD have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FIVA and SCHD?
FIVA and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 207 unique securities.
Which pays a higher dividend, FIVA or SCHD?
FIVA yields 2.64% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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