GLRY vs SCHD
Inspire 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 | GLRY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.06% | |
| AUM | $171M | $108.7B | |
| Dividend Yield | 0.17% | 3.13% | |
| Holdings | 34 | 104 | |
| YTD Return | +14.11% | +26.54% | |
| 1Y Return | +20.32% | +30.90% | |
| 3Y Return (annualized) | +17.47% | +16.29% | |
| 5Y Return (annualized) | +8.67% | +9.65% | |
| Volatility (annualized) | 19.4% | 13.6% | |
| Max Drawdown | -40.6% | -33.4% | |
| Fund Family | Inspire ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 7, 2020 | Oct 20, 2011 |
GLRY vs SCHD Performance
Inspire Growth ETF (GLRY) is a ETF from Inspire ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GLRY returned +20.32% while SCHD returned +30.90%. Year to date, GLRY is up 14.11% versus a gain of 26.54% for SCHD.
Over three years, GLRY compounded at +17.47% per year against +16.29% for SCHD; over five years the annualized figures are +8.67% and +9.65% respectively. Across the full 6-year window we track, SCHD has the edge at +11.51% annualized vs +10.46%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
GLRY has been the more volatile fund, with annualized monthly volatility of 19.4% compared with 13.6% 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 -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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
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
GLRY and SCHD share 3 holdings out of 130 unique holdings combined, representing a 0.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $74 per year of difference.
Which performed better, GLRY or SCHD?
Over the past year GLRY returned +20.32% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), GLRY annualized +10.46% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, GLRY or SCHD?
GLRY has been the more volatile fund at 19.4% annualized versus 13.6% for SCHD. Worst drawdown: GLRY -40.6% vs SCHD -33.4%.
Should I hold both GLRY and SCHD?
GLRY and SCHD have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GLRY and SCHD?
GLRY and SCHD share 3 common holdings with a 0.4% weight overlap. Combined, they hold 130 unique securities.
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.
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