GOLY vs SCHD
Strategy Shares Gold Enhanced Yield 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 | GOLY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.90% | 0.06% | |
| AUM | $88M | $108.7B | |
| Dividend Yield | 9.33% | 3.13% | |
| Holdings | 15 | 104 | |
| YTD Return | -22.83% | +26.50% | |
| 1Y Return | -4.03% | +31.25% | |
| 3Y Return (annualized) | +18.14% | +16.34% | |
| 5Y Return (annualized) | +5.79% | +10.10% | |
| Volatility (annualized) | 23.7% | 13.6% | |
| Max Drawdown | -45.0% | -33.4% | |
| Fund Family | STRATEGY SHARES | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | May 17, 2021 | Oct 20, 2011 |
GOLY vs SCHD Performance
Strategy Shares Gold Enhanced Yield ETF (GOLY) is a ETF from STRATEGY SHARES and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GOLY returned -4.03% while SCHD returned +31.25%. Year to date, GOLY is down 22.83% versus a gain of 26.50% for SCHD.
Over three years, GOLY compounded at +18.14% per year against +16.34% for SCHD; over five years the annualized figures are +5.79% and +10.10% respectively. Across the full 5-year window we track, SCHD has the edge at +11.50% annualized vs +1.15%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
GOLY has been the more volatile fund, with annualized monthly volatility of 23.7% 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 -45.0% for GOLY 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 0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GOLY charges 0.90% per year while SCHD charges 0.06%. On a $10,000 position that is $90 vs $6 annually, a gap of $84 per year that compounds over a long holding period. On income, GOLY currently yields 9.33% against 3.13% for SCHD.
Holdings Overlap
GOLY and SCHD share 0 holdings out of 107 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, GOLY or SCHD?
GOLY has an expense ratio of 0.90% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $84 per year of difference.
Which performed better, GOLY or SCHD?
Over the past year GOLY returned -4.03% vs +31.25% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), GOLY annualized +1.15% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, GOLY or SCHD?
GOLY has been the more volatile fund at 23.7% annualized versus 13.6% for SCHD. Worst drawdown: GOLY -45.0% vs SCHD -33.4%.
Should I hold both GOLY and SCHD?
GOLY and SCHD have a monthly-return correlation of 0.41, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GOLY and SCHD?
GOLY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 107 unique securities.
Which pays a higher dividend, GOLY or SCHD?
GOLY yields 9.33% while SCHD yields 3.13%, so GOLY currently pays the higher dividend yield.
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