GGM vs SCHD
GGM Macro Alignment 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 | GGM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.94% | 0.06% | |
| AUM | $21M | $108.7B | |
| Dividend Yield | 1.40% | 3.13% | |
| Holdings | 7 | 104 | |
| YTD Return | +17.18% | +26.50% | |
| 1Y Return | +21.41% | +31.25% | |
| 3Y Return (annualized) | +10.54% | +16.34% | |
| 5Y Return (annualized) | - | +10.10% | |
| Volatility (annualized) | 11.3% | 13.6% | |
| Max Drawdown | -19.7% | -33.4% | |
| Fund Family | GGM Wealth Advisors | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Sep 25, 2023 | Oct 20, 2011 |
GGM vs SCHD Performance
GGM Macro Alignment ETF (GGM) is a ETF from GGM Wealth Advisors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GGM returned +21.41% while SCHD returned +31.25%. Year to date, GGM is up 17.18% versus a gain of 26.50% for SCHD.
Over three years, GGM compounded at +10.54% per year against +16.34% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.50% annualized vs +10.54%. 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 11.3% for GGM. 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 -19.7% for GGM 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GGM charges 0.94% per year while SCHD charges 0.06%. On a $10,000 position that is $94 vs $6 annually, a gap of $88 per year that compounds over a long holding period. On income, GGM currently yields 1.40% against 3.13% for SCHD.
Holdings Overlap
GGM and SCHD share 0 holdings out of 105 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, GGM or SCHD?
GGM has an expense ratio of 0.94% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $88 per year of difference.
Which performed better, GGM or SCHD?
Over the past year GGM returned +21.41% vs +31.25% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), GGM annualized +10.54% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, GGM or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.3% for GGM. Worst drawdown: GGM -19.7% vs SCHD -33.4%.
Should I hold both GGM and SCHD?
GGM and SCHD have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GGM and SCHD?
GGM and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 105 unique securities.
Which pays a higher dividend, GGM or SCHD?
GGM yields 1.40% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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