GENM vs SCHD
Genter Capital Municipal Quality Intermediate 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 | GENM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.06% | |
| AUM | $31M | $108.7B | |
| Dividend Yield | 3.22% | 3.13% | |
| Holdings | 75 | 104 | |
| YTD Return | +1.05% | +26.54% | |
| 1Y Return | +3.12% | +30.90% | |
| 3Y Return (annualized) | - | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 2.9% | 13.6% | |
| Max Drawdown | -2.4% | -33.4% | |
| Fund Family | Genter Capital Management | Charles Schwab Asset Management | |
| Category | Tax Preferred | Equity | |
| Inception | May 21, 2024 | Oct 20, 2011 |
GENM vs SCHD Performance
Genter Capital Municipal Quality Intermediate ETF (GENM) is a ETF from Genter Capital Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GENM returned +3.12% while SCHD returned +30.90%. Year to date, GENM is up 1.05% versus a gain of 26.54% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 2.9% for GENM. 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 -2.4% for GENM 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GENM charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, GENM currently yields 3.22% against 3.13% for SCHD.
Holdings Overlap
GENM and SCHD share 0 holdings out of 117 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, GENM or SCHD?
GENM has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, GENM or SCHD?
Over the past year GENM returned +3.12% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), GENM annualized +3.61% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, GENM or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 2.9% for GENM. Worst drawdown: GENM -2.4% vs SCHD -33.4%.
Should I hold both GENM and SCHD?
GENM and SCHD have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GENM and SCHD?
GENM and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 117 unique securities.
Which pays a higher dividend, GENM or SCHD?
GENM yields 3.22% while SCHD yields 3.13%, so GENM currently pays the higher dividend yield.
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