FLCH vs SCHD
Franklin FTSE China ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FLCH offers more diversification with 1,030 holdings.
Side-by-Side Comparison
| Metric | FLCH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.19% | 0.06% | |
| AUM | $334M | $108.7B | |
| Dividend Yield | 2.33% | 3.13% | |
| Holdings | 1,030 | 104 | |
| YTD Return | -11.59% | +26.54% | |
| 1Y Return | -5.22% | +30.90% | |
| 3Y Return (annualized) | +10.03% | +16.29% | |
| 5Y Return (annualized) | -2.23% | +9.65% | |
| Volatility (annualized) | 25.0% | 13.6% | |
| Max Drawdown | -62.1% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 2, 2017 | Oct 20, 2011 |
FLCH vs SCHD Performance
Franklin FTSE China ETF (FLCH) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FLCH returned -5.22% while SCHD returned +30.90%. Year to date, FLCH is down 11.59% versus a gain of 26.54% for SCHD.
Over three years, FLCH compounded at +10.03% per year against +16.29% for SCHD; over five years the annualized figures are -2.23% and +9.65% respectively. Across the full 9-year window we track, SCHD has the edge at +11.51% annualized vs -0.31%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FLCH has been the more volatile fund, with annualized monthly volatility of 25.0% 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 -62.1% for FLCH 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLCH charges 0.19% per year while SCHD charges 0.06%. On a $10,000 position that is $19 vs $6 annually, a gap of $13 per year that compounds over a long holding period. On income, FLCH currently yields 2.33% against 3.13% for SCHD.
Holdings Overlap
FLCH and SCHD share 0 holdings out of 1047 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, FLCH or SCHD?
FLCH has an expense ratio of 0.19% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, FLCH or SCHD?
Over the past year FLCH returned -5.22% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), FLCH annualized -0.31% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, FLCH or SCHD?
FLCH has been the more volatile fund at 25.0% annualized versus 13.6% for SCHD. Worst drawdown: FLCH -62.1% vs SCHD -33.4%.
Should I hold both FLCH and SCHD?
FLCH and SCHD have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLCH and SCHD?
FLCH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1047 unique securities.
Which pays a higher dividend, FLCH or SCHD?
FLCH yields 2.33% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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