GLRY vs SCHD
Inspire Growth ETF vs Schwab US Dividend Equity ETF
Which is better, GLRY or SCHD?
Small Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 45.7%.
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
| Metric | GLRY | SCHD |
|---|---|---|
| Expense Ratio | 0.80% | 0.06%Best |
| AUM | $164M | $112.2B |
| Dividend Yield | 0.17% | 3.13% |
| Holdings | 34 | 103 |
| YTD Return | +8.34% | +27.56%Best |
| 1Y Return | +12.16% | +30.29%Best |
| 3Y Return (annualized) | +15.95% | +16.37%Best |
| 5Y Return (annualized) | +6.79% | +10.23%Best |
| Volatility (annualized) | 19.5% | 14.6%Best |
| Max Drawdown | -40.6% | -16.9%Best |
| $10,000 over 5 years | $13,888 | $16,274Best |
| Top 10 Weight | 45.7% | 41.5%Best |
| Fund Family | Inspire ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Small Cap Growth | Large Cap Value |
| Inception | Dec 7, 2020 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Dec 8, 2020 to Sep 4, 2026 (5.7 years).
GLRY vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 5.7 years both funds cover.
GLRY vs SCHD Performance
Inspire Growth ETF (GLRY) is an ETF from Inspire ETFs and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year GLRY returned +12.16% while SCHD returned +30.29%. Year to date, GLRY is up 8.34% versus a gain of 27.56% for SCHD.
Over three years, GLRY compounded at +15.95% per year against +16.37% for SCHD; over five years the annualized figures are +6.79% and +10.23% respectively. Across the full 6-year window we track, SCHD has the edge at +12.29% annualized vs +9.36%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
GLRY has been the more volatile fund, with annualized monthly volatility of 19.5% compared with 14.6% 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 -40.6% for GLRY and -16.9% 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 0.54. They move together some of the time, and apart the rest.
Fees and Cost Over Time
GLRY charges 0.80% per year while SCHD charges 0.06%. On a $10,000 position that is $80 vs $6 annually, a gap of $74 per year that compounds over a long holding period. On income, GLRY currently yields 0.17% against 3.13% for SCHD.
Holdings Overlap
5.8% of GLRY's money is in holdings SCHD also owns. 0.4% of SCHD's money is in holdings GLRY also owns.
GLRY and SCHD share little of their money.
3 positions in common, counted across the 33 positions we hold weights for in GLRY and 100 in SCHD, against full books of 34 and 103.
What only one of them owns
Measured across the 33 and 100 positions we hold weights for.
SCHD holds 96 positions GLRY does not, 99.5% of the fund.
Largest: ABT 4.70%, AMGN 4.62%, HD 4.32%, MRK 4.26%, KO 4.20%
You are not choosing between two funds in isolation.
Whichever of GLRY and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, GLRY or SCHD?
GLRY has an expense ratio of 0.80% while SCHD charges 0.06%. SCHD is the cheaper option, by $74 a year on a $10,000 investment.
Which performed better, GLRY or SCHD?
Over the past year GLRY returned +12.16% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), GLRY annualized +9.36% vs +12.29% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, GLRY or SCHD?
GLRY has been the more volatile fund at 19.5% annualized versus 14.6% for SCHD. Worst drawdown: GLRY -40.6% vs SCHD -16.9%.
Should I hold both GLRY and SCHD?
GLRY and SCHD have a monthly-return correlation of 0.54, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between GLRY and SCHD?
5.8% of GLRY's money is in holdings SCHD also owns. 0.4% of SCHD's is in holdings GLRY also owns. They hold 3 positions in common, counted across the 33 positions we hold weights for in GLRY and 100 in SCHD.
Which pays a higher dividend, GLRY or SCHD?
GLRY yields 0.17% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than GLRY?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 45.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.