GHMS vs SCHD

GHMS vs SCHD

Which is better, GHMS or SCHD?

High Yield Bond against Large Cap Value.

SCHD has a lower expense ratio. SCHD led over 1Y and the full window.

Lower Fees: SCHDHigher Returns: SCHD

MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.

Side-by-Side Comparison

MetricGHMSSCHD
Expense Ratio1.42%0.06%Best
AUM$17M$112.2B
Dividend Yield5.03%3.13%
Holdings29103
Volatility (annualized)4.7%Best12.4%
Max Drawdown-6.6%Best-16.1%
$10,000 over 2 years$10,502$12,345Best
Fund FamilyGoose Hollow Capital Management LLCCharles Schwab Asset Management
CategoryFixed IncomeEquity
StyleHigh Yield BondLarge Cap Value
InceptionNov 14, 2023Oct 20, 2011

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.

The two price series end 283 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. GHMS has data through Nov 25, 2025 and SCHD through Sep 4, 2026.

Volatility and max drawdown, and the $10,000 over 2 years row, are measured over the window both funds cover: Nov 15, 2023 to Nov 25, 2025 (2 years).

Risk: Volatility and Drawdowns

SCHD has been the more volatile fund, with annualized monthly volatility of 12.4% compared with 4.7% for GHMS. 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 -6.6% for GHMS and -16.1% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.21. They move largely independently of each other.

Fees and Cost Over Time

GHMS charges 1.42% per year while SCHD charges 0.06%. On a $10,000 position that is $142 vs $6 annually, a gap of $136 per year that compounds over a long holding period. On income, GHMS currently yields 5.03% against 3.13% for SCHD.

You are not choosing between two funds in isolation.

Whichever of GHMS and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

GHMSSCHD

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, GHMS or SCHD?

GHMS has an expense ratio of 1.42% while SCHD charges 0.06%. SCHD is the cheaper option, by $136 a year on a $10,000 investment.

Which is riskier, GHMS or SCHD?

SCHD has been the more volatile fund at 12.4% annualized versus 4.7% for GHMS. Worst drawdown: GHMS -6.6% vs SCHD -16.1%.

Should I hold both GHMS and SCHD?

GHMS and SCHD have a monthly-return correlation of 0.21, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

Which pays a higher dividend, GHMS or SCHD?

GHMS yields 5.03% while SCHD yields 3.13%, so GHMS currently pays the higher dividend yield.

Is SCHD better than GHMS?

SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.