FSYD vs SCHD
Fidelity Sustainable High Yield 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 | FSYD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.06% | |
| AUM | $137M | $103.7B | |
| Dividend Yield | 6.98% | 3.31% | |
| Holdings | 411 | 104 | |
| YTD Return | +3.31% | +25.33% | |
| 1Y Return | +7.70% | +32.31% | |
| 3Y Return (annualized) | +8.98% | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 7.9% | 13.6% | |
| Max Drawdown | -12.1% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 15, 2022 | Oct 20, 2011 |
FSYD vs SCHD Performance
Fidelity Sustainable High Yield ETF (FSYD) is a ETF from Fidelity Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FSYD returned +7.70% while SCHD returned +32.31%. Year to date, FSYD is up 3.31% versus a gain of 25.33% for SCHD.
Over three years, FSYD compounded at +8.98% per year against +15.40% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.45% annualized vs +5.77%. 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 7.9% for FSYD. 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 -12.1% for FSYD 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FSYD charges 0.55% per year while SCHD charges 0.06%. On a $10,000 position that is $55 vs $6 annually, a gap of $49 per year that compounds over a long holding period. On income, FSYD currently yields 6.98% against 3.31% for SCHD.
Holdings Overlap
FSYD and SCHD share 0 holdings out of 113 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, FSYD or SCHD?
FSYD has an expense ratio of 0.55% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, FSYD or SCHD?
Over the past year FSYD returned +7.70% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), FSYD annualized +5.77% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, FSYD or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.9% for FSYD. Worst drawdown: FSYD -12.1% vs SCHD -33.4%.
Should I hold both FSYD and SCHD?
FSYD and SCHD have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FSYD and SCHD?
FSYD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 113 unique securities.
Which pays a higher dividend, FSYD or SCHD?
FSYD yields 6.98% while SCHD yields 3.31%, so FSYD currently pays the higher dividend yield.
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