FLUD vs SCHD
FLUD vs SCHD
Franklin Ultra Short Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FLUD offers more diversification with 298 holdings.
Side-by-Side Comparison
| Metric | FLUD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $561M | $103.7B | |
| Dividend Yield | 4.42% | 3.31% | |
| Holdings | 443 | 104 | |
| YTD Return | +1.68% | +24.26% | |
| 1Y Return | +3.74% | +31.38% | |
| 3Y Return (annualized) | +5.09% | +15.08% | |
| 5Y Return (annualized) | +3.67% | +9.72% | |
| Volatility (annualized) | 0.9% | 13.6% | |
| Max Drawdown | -1.7% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jul 14, 2020 | Oct 20, 2011 |
FLUD vs SCHD Performance
Franklin Ultra Short Bond ETF (FLUD) 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 FLUD returned +3.74% while SCHD returned +31.38%. Year to date, FLUD is up 1.68% versus a gain of 24.26% for SCHD.
Over three years, FLUD compounded at +5.09% per year against +15.08% for SCHD; over five years the annualized figures are +3.67% and +9.72% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +3.02%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 0.9% for FLUD. 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 -1.7% for FLUD 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 0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLUD 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, FLUD currently yields 4.42% against 3.31% for SCHD.
Holdings Overlap
FLUD and SCHD share 0 holdings out of 398 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, FLUD or SCHD?
FLUD 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, FLUD or SCHD?
Over the past year FLUD returned +3.74% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), FLUD annualized +3.02% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FLUD or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 0.9% for FLUD. Worst drawdown: FLUD -1.7% vs SCHD -33.4%.
Should I hold both FLUD and SCHD?
FLUD and SCHD have a monthly-return correlation of 0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLUD and SCHD?
FLUD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 398 unique securities.
Which pays a higher dividend, FLUD or SCHD?
FLUD yields 4.42% while SCHD yields 3.31%, so FLUD currently pays the higher dividend yield.
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