FTCA vs SCHD
Franklin California Municipal Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FTCA offers more diversification with 297 holdings.
Side-by-Side Comparison
| Metric | FTCA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $570M | $108.7B | |
| Dividend Yield | 3.64% | 3.13% | |
| Holdings | 297 | 104 | |
| YTD Return | +1.11% | +29.07% | |
| 1Y Return | - | +31.45% | |
| 3Y Return (annualized) | - | +17.18% | |
| 5Y Return (annualized) | - | +10.30% | |
| Volatility (annualized) | - | 13.7% | |
| Max Drawdown | -2.9% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Apr 29, 1993 | Oct 20, 2011 |
FTCA vs SCHD Performance
Franklin California Municipal Income ETF (FTCA) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, FTCA is up 1.11% versus a gain of 29.07% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -2.9% for FTCA and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
FTCA charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, FTCA currently yields 3.64% against 3.13% for SCHD.
Holdings Overlap
FTCA and SCHD share 0 holdings out of 159 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, FTCA or SCHD?
FTCA has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
What is the holdings overlap between FTCA and SCHD?
FTCA and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 159 unique securities.
Which pays a higher dividend, FTCA or SCHD?
FTCA yields 3.64% while SCHD yields 3.13%, so FTCA currently pays the higher dividend yield.
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