GFLW vs SCHD
VictoryShares Free Cash Flow Growth 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 | GFLW | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.06% | |
| AUM | $1.0B | $108.7B | |
| Dividend Yield | 0.00% | 3.13% | |
| Holdings | 102 | 104 | |
| YTD Return | +19.57% | +28.70% | |
| 1Y Return | +25.60% | +31.07% | |
| 3Y Return (annualized) | - | +16.88% | |
| 5Y Return (annualized) | - | +10.20% | |
| Volatility (annualized) | 19.5% | 13.7% | |
| Max Drawdown | -24.1% | -33.4% | |
| Fund Family | Victory Capital Management Inc. | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 3, 2024 | Oct 20, 2011 |
GFLW vs SCHD Performance
VictoryShares Free Cash Flow Growth ETF (GFLW) is a ETF from Victory Capital Management Inc. and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GFLW returned +25.60% while SCHD returned +31.07%. Year to date, GFLW is up 19.57% versus a gain of 28.70% for SCHD.
Risk: Volatility and Drawdowns
GFLW has been the more volatile fund, with annualized monthly volatility of 19.5% compared with 13.7% 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 -24.1% for GFLW 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 -0.09. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GFLW 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, GFLW currently yields 0.00% against 3.13% for SCHD.
Holdings Overlap
GFLW and SCHD share 0 holdings out of 200 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, GFLW or SCHD?
GFLW 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, GFLW or SCHD?
Over the past year GFLW returned +25.60% vs +31.07% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), GFLW annualized +18.35% vs +11.62% for SCHD. Past performance does not guarantee future results.
Which is riskier, GFLW or SCHD?
GFLW has been the more volatile fund at 19.5% annualized versus 13.7% for SCHD. Worst drawdown: GFLW -24.1% vs SCHD -33.4%.
Should I hold both GFLW and SCHD?
GFLW and SCHD have a monthly-return correlation of -0.09, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GFLW and SCHD?
GFLW and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 200 unique securities.
Which pays a higher dividend, GFLW or SCHD?
GFLW yields 0.00% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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