FLQM vs SCHD
Franklin US Mid 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 | FLQM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $1.6B | $103.7B | |
| Dividend Yield | 1.51% | 3.31% | |
| Holdings | 209 | 104 | |
| YTD Return | +8.53% | +25.62% | |
| 1Y Return | +12.55% | +32.62% | |
| 3Y Return (annualized) | +11.56% | +15.58% | |
| 5Y Return (annualized) | +7.27% | +9.63% | |
| Volatility (annualized) | 16.8% | 13.6% | |
| Max Drawdown | -37.3% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 26, 2017 | Oct 20, 2011 |
FLQM vs SCHD Performance
Franklin US Mid Cap Multifactor Index ETF (FLQM) 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 FLQM returned +12.55% while SCHD returned +32.62%. Year to date, FLQM is up 8.53% versus a gain of 25.62% for SCHD.
Over three years, FLQM compounded at +11.56% per year against +15.58% for SCHD; over five years the annualized figures are +7.27% and +9.63% respectively. Across the full 9-year window we track, SCHD has the edge at +11.47% annualized vs +11.25%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FLQM has been the more volatile fund, with annualized monthly volatility of 16.8% 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 -37.3% for FLQM 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FLQM charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, FLQM currently yields 1.51% against 3.31% for SCHD.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, FLQM or SCHD?
FLQM has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, FLQM or SCHD?
Over the past year FLQM returned +12.55% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), FLQM annualized +11.25% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, FLQM or SCHD?
FLQM has been the more volatile fund at 16.8% annualized versus 13.6% for SCHD. Worst drawdown: FLQM -37.3% vs SCHD -33.4%.
Should I hold both FLQM and SCHD?
FLQM and SCHD have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLQM and SCHD?
FLQM and SCHD share 2 common holdings with a 0.6% weight overlap. Combined, they hold 108 unique securities.
Which pays a higher dividend, FLQM or SCHD?
FLQM yields 1.51% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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