FIVY vs SCHD
YieldMax Dorsey Wright Hybrid 5 Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | FIVY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.70% | 0.06% | |
| AUM | $5M | $108.7B | |
| Dividend Yield | 46.67% | 3.13% | |
| Holdings | 12 | 104 | |
| YTD Return | -6.99% | +27.67% | |
| 1Y Return | -9.06% | +31.26% | |
| 3Y Return (annualized) | - | +16.66% | |
| 5Y Return (annualized) | - | +10.18% | |
| Volatility (annualized) | 24.9% | 13.6% | |
| Max Drawdown | -32.8% | -33.4% | |
| Fund Family | YieldMax ETF | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Dec 16, 2024 | Oct 20, 2011 |
FIVY vs SCHD Performance
YieldMax Dorsey Wright Hybrid 5 Income ETF (FIVY) is a ETF from YieldMax ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FIVY returned -9.06% while SCHD returned +31.26%. Year to date, FIVY is down 6.99% versus a gain of 27.67% for SCHD.
Risk: Volatility and Drawdowns
FIVY has been the more volatile fund, with annualized monthly volatility of 24.9% 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 -32.8% for FIVY 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 -0.27. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FIVY charges 0.70% per year while SCHD charges 0.06%. On a $10,000 position that is $70 vs $6 annually, a gap of $64 per year that compounds over a long holding period. On income, FIVY currently yields 46.67% against 3.13% for SCHD.
Holdings Overlap
FIVY and SCHD share 0 holdings out of 111 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, FIVY or SCHD?
FIVY has an expense ratio of 0.70% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $64 per year of difference.
Which performed better, FIVY or SCHD?
Over the past year FIVY returned -9.06% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), FIVY annualized -12.40% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, FIVY or SCHD?
FIVY has been the more volatile fund at 24.9% annualized versus 13.6% for SCHD. Worst drawdown: FIVY -32.8% vs SCHD -33.4%.
Should I hold both FIVY and SCHD?
FIVY and SCHD have a monthly-return correlation of -0.27, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FIVY and SCHD?
FIVY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 111 unique securities.
Which pays a higher dividend, FIVY or SCHD?
FIVY yields 46.67% while SCHD yields 3.13%, so FIVY currently pays the higher dividend yield.
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