FUTY vs SCHD
Fidelity MSCI Utilities 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 104 holdings.
Side-by-Side Comparison
| Metric | FUTY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.06% | |
| AUM | $2.3B | $108.7B | |
| Dividend Yield | 2.65% | 3.13% | |
| Holdings | 65 | 104 | |
| YTD Return | +2.53% | +27.67% | |
| 1Y Return | +4.49% | +31.26% | |
| 3Y Return (annualized) | +15.04% | +16.66% | |
| 5Y Return (annualized) | +7.76% | +10.18% | |
| Volatility (annualized) | 14.7% | 13.6% | |
| Max Drawdown | -37.1% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 21, 2013 | Oct 20, 2011 |
FUTY vs SCHD Performance
Fidelity MSCI Utilities Index ETF (FUTY) 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 FUTY returned +4.49% while SCHD returned +31.26%. Year to date, FUTY is up 2.53% versus a gain of 27.67% for SCHD.
Over three years, FUTY compounded at +15.04% per year against +16.66% for SCHD; over five years the annualized figures are +7.76% and +10.18% respectively. Across the full 13-year window we track, SCHD has the edge at +11.57% annualized vs +7.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FUTY has been the more volatile fund, with annualized monthly volatility of 14.7% 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 -37.1% for FUTY 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FUTY charges 0.08% per year while SCHD charges 0.06%. On a $10,000 position that is $8 vs $6 annually, a gap of $2 per year that compounds over a long holding period. On income, FUTY currently yields 2.65% against 3.13% for SCHD.
Holdings Overlap
FUTY and SCHD share 1 holdings out of 162 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FUTY | Weight in SCHD | Difference |
|---|---|---|---|
| CWEN | 0.26% | 0.10% | 0.16% |
Frequently Asked Questions
Which is cheaper, FUTY or SCHD?
FUTY has an expense ratio of 0.08% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, FUTY or SCHD?
Over the past year FUTY returned +4.49% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), FUTY annualized +7.84% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, FUTY or SCHD?
FUTY has been the more volatile fund at 14.7% annualized versus 13.6% for SCHD. Worst drawdown: FUTY -37.1% vs SCHD -33.4%.
Should I hold both FUTY and SCHD?
FUTY and SCHD have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FUTY and SCHD?
FUTY and SCHD share 1 common holdings with a 0.1% weight overlap. Combined, they hold 162 unique securities.
Which pays a higher dividend, FUTY or SCHD?
FUTY yields 2.65% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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