FLQL vs SCHD
FLQL vs SCHD
Franklin US Large Cap Multifactor Index 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 100 holdings.
Side-by-Side Comparison
| Metric | FLQL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $2.0B | $103.7B | |
| Dividend Yield | 1.05% | 3.31% | |
| Holdings | 220 | 104 | |
| YTD Return | +14.28% | +24.26% | |
| 1Y Return | +22.84% | +31.38% | |
| 3Y Return (annualized) | +22.19% | +15.08% | |
| 5Y Return (annualized) | +14.01% | +9.72% | |
| Volatility (annualized) | 15.1% | 13.6% | |
| Max Drawdown | -33.6% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 26, 2017 | Oct 20, 2011 |
FLQL vs SCHD Performance
Franklin US Large Cap Multifactor Index ETF (FLQL) 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 FLQL returned +22.84% while SCHD returned +31.38%. Year to date, FLQL is up 14.28% versus a gain of 24.26% for SCHD.
Over three years, FLQL compounded at +22.19% per year against +15.08% for SCHD; over five years the annualized figures are +14.01% and +9.72% respectively. Across the full 9-year window we track, FLQL has the edge at +14.89% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FLQL has been the more volatile fund, with annualized monthly volatility of 15.1% 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 -33.6% for FLQL 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FLQL charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, FLQL currently yields 1.05% against 3.31% for SCHD.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, FLQL or SCHD?
FLQL has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, FLQL or SCHD?
Over the past year FLQL returned +22.84% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), FLQL annualized +14.89% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FLQL or SCHD?
FLQL has been the more volatile fund at 15.1% annualized versus 13.6% for SCHD. Worst drawdown: FLQL -33.6% vs SCHD -33.4%.
Should I hold both FLQL and SCHD?
FLQL and SCHD have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLQL and SCHD?
FLQL and SCHD share 2 common holdings with a 0.9% weight overlap. Combined, they hold 114 unique securities.
Which pays a higher dividend, FLQL or SCHD?
FLQL yields 1.05% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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