FLOW vs SCHD
Global X US Cash Flow Kings 100 ETF vs Schwab US Dividend Equity ETF
Which is better, FLOW or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. FLOW led over 3Y and the full window, SCHD over 1Y. FLOW is less concentrated, with 23.5% of the fund in its ten largest positions against 41.8%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | FLOW | SCHD |
|---|---|---|
| Expense Ratio | 0.25% | 0.06%Best |
| AUM | $33M | $112.1B |
| Dividend Yield | 1.91% | 3.00% |
| Holdings | 102 | 103 |
| YTD Return | +21.77% | +24.23%Best |
| 1Y Return | +27.59% | +27.90%Best |
| 3Y Return (annualized) | +20.14%Best | +15.55% |
| 5Y Return (annualized) | - | +9.97% |
| Volatility (annualized) | 14.3% | 13.4%Best |
| Max Drawdown | -21.6% | -16.1%Best |
| $10,000 over 3.2 years | $17,817Best | $15,497 |
| Top 10 Weight | 23.5%Best | 41.8% |
| Fund Family | Global X by mirae Asset | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Jul 10, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Jul 12, 2023 to Sep 17, 2026 (3.2 years).
FLOW vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3.2 years both funds cover.
FLOW vs SCHD Performance
Global X US Cash Flow Kings 100 ETF (FLOW) is an ETF from Global X by mirae Asset and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year FLOW returned +27.59% while SCHD returned +27.90%. Year to date, FLOW is up 21.77% versus a gain of 24.23% for SCHD.
Over three years, FLOW compounded at +20.14% per year against +15.55% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FLOW has been the more volatile fund, with annualized monthly volatility of 14.3% compared with 13.4% 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 -21.6% for FLOW and -16.1% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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
FLOW charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, FLOW currently yields 1.91% against 3.00% for SCHD.
Holdings Overlap
12.0% of FLOW's money is in holdings SCHD also owns. 8.7% of SCHD's money is in holdings FLOW also owns.
FLOW and SCHD share little of their money.
10 positions in common, counted across the 100 positions we hold weights for in FLOW and 100 in SCHD, against full books of 102 and 103.
What only one of them owns
Our book lists 89 positions for SCHD that do not appear in our book for FLOW (91.3% of the fund), and 85 for FLOW that do not appear in SCHD (81.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in FLOW | Weight in SCHD | Difference |
|---|---|---|---|
| BMYBristol-Myers Squibb Co. | 2.06% | 3.33% | 1.27% |
| CMCSAComcast Corp-class A Cmcsa | 1.95% | 2.31% | 0.36% |
| DVNDevon Energy Corporation | 1.94% | 1.36% | 0.58% |
| DINOHF Sinclair Corp | 1.59% | 0.38% | 1.21% |
| APAApa Corp | 1.40% | 0.37% | 1.03% |
| BBYBest Buy Co. Inc. | 1.24% | 0.38% | 0.86% |
| BAHBooz Allen Hamilton Holding Corp. | 0.75% | 0.22% | 0.53% |
| MMacy'S Inc. | 0.66% | 0.14% | 0.52% |
| RHIRobert Half International Inc. | 0.21% | 0.11% | 0.10% |
| LANCLancaster Colony Corp | 0.18% | 0.06% | 0.12% |
You are not choosing between two funds in isolation.
Whichever of FLOW and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FLOW or SCHD?
FLOW has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option, by $19 a year on a $10,000 investment.
Which performed better, FLOW or SCHD?
Over the past year FLOW returned +27.59% vs +27.90% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FLOW or SCHD?
FLOW has been the more volatile fund at 14.3% annualized versus 13.4% for SCHD. Worst drawdown: FLOW -21.6% vs SCHD -16.1%.
Should I hold both FLOW and SCHD?
FLOW and SCHD have a monthly-return correlation of 0.80, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between FLOW and SCHD?
12.0% of FLOW's money is in holdings SCHD also owns. 8.7% of SCHD's is in holdings FLOW also owns. They hold 10 positions in common, counted across the 100 positions we hold weights for in FLOW and 100 in SCHD.
Which pays a higher dividend, FLOW or SCHD?
FLOW yields 1.91% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than FLOW?
SCHD has a lower expense ratio. FLOW led over 3Y and the full window, SCHD over 1Y. FLOW is less concentrated, with 23.5% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.