FORH vs SCHD
Formidable 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 | FORH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.19% | 0.06% | |
| AUM | $19M | $103.7B | |
| Dividend Yield | 1.78% | 3.31% | |
| Holdings | 48 | 104 | |
| YTD Return | +4.10% | +25.58% | |
| 1Y Return | +8.45% | +31.06% | |
| 3Y Return (annualized) | +3.94% | +15.55% | |
| 5Y Return (annualized) | +1.81% | +9.61% | |
| Volatility (annualized) | 13.4% | 13.6% | |
| Max Drawdown | -20.7% | -33.4% | |
| Fund Family | Formidable Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 29, 2021 | Oct 20, 2011 |
FORH vs SCHD Performance
Formidable ETF (FORH) is a ETF from Formidable Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FORH returned +8.45% while SCHD returned +31.06%. Year to date, FORH is up 4.10% versus a gain of 25.58% for SCHD.
Over three years, FORH compounded at +3.94% per year against +15.55% for SCHD; over five years the annualized figures are +1.81% and +9.61% respectively. Across the full 5-year window we track, SCHD has the edge at +11.46% annualized vs +1.85%. 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 13.4% for FORH. 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 -20.7% for FORH 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FORH charges 1.19% per year while SCHD charges 0.06%. On a $10,000 position that is $119 vs $6 annually, a gap of $113 per year that compounds over a long holding period. On income, FORH currently yields 1.78% against 3.31% for SCHD.
Holdings Overlap
FORH and SCHD share 0 holdings out of 134 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, FORH or SCHD?
FORH has an expense ratio of 1.19% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $113 per year of difference.
Which performed better, FORH or SCHD?
Over the past year FORH returned +8.45% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), FORH annualized +1.85% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, FORH or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.4% for FORH. Worst drawdown: FORH -20.7% vs SCHD -33.4%.
Should I hold both FORH and SCHD?
FORH and SCHD have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FORH and SCHD?
FORH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 134 unique securities.
Which pays a higher dividend, FORH or SCHD?
FORH yields 1.78% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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