GRF vs SCHD
Eagle Capital Growth Fund Inc. vs Schwab US Dividend Equity ETF
Which is better, GRF or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
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 | GRF | SCHD |
|---|---|---|
| Expense Ratio | 1.61% | 0.06%Best |
| AUM | $40M | $112.1B |
| Dividend Yield | 8.34% | 3.00% |
| Holdings | 26 | 103 |
| YTD Return | -4.30% | +24.23%Best |
| 1Y Return | +6.67% | +27.90%Best |
| 3Y Return (annualized) | +5.30% | +15.55%Best |
| 5Y Return (annualized) | +4.45% | +9.97%Best |
| Volatility (annualized) | 46.1% | 13.6%Best |
| Max Drawdown | -65.8% | -33.4%Best |
| $10,000 over 5 years | $12,432 | $16,083Best |
| Fund Family | Eagle Capital Growth Fund Inc. | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Jul 2, 1990 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 17, 2026 (14.9 years).
GRF 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 14.9 years both funds cover.
GRF vs SCHD Performance
Eagle Capital Growth Fund Inc. (GRF) is an ETF from Eagle Capital Growth Fund Inc. and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year GRF returned +6.67% while SCHD returned +27.90%. Year to date, GRF is down 4.30% versus a gain of 24.23% for SCHD.
Over three years, GRF compounded at +5.30% per year against +15.55% for SCHD; over five years the annualized figures are +4.45% and +9.97% respectively. Across the full 15-year window we track, SCHD has the edge at +11.30% annualized vs +9.94%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
GRF has been the more volatile fund, with annualized monthly volatility of 46.1% 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 -65.8% for GRF and -33.4% 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 0.18. They move largely independently of each other.
Fees and Cost Over Time
GRF charges 1.61% per year while SCHD charges 0.06%. On a $10,000 position that is $161 vs $6 annually, a gap of $155 per year that compounds over a long holding period. On income, GRF currently yields 8.34% against 3.00% for SCHD.
Holdings Overlap
At least 7.6% of SCHD's money is in holdings GRF also owns.
Stated as a floor: for GRF, our book for it covers 87.8% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
SCHD and GRF share little of their money.
The two holdings books were reported 62 days apart, GRF as of Jun 30, 2026 and SCHD as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
3 positions in common, counted across the 22 positions we hold weights for in GRF and 100 in SCHD, against full books of 26 and 103.
You are not choosing between two funds in isolation.
Whichever of GRF 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, GRF or SCHD?
GRF has an expense ratio of 1.61% while SCHD charges 0.06%. SCHD is the cheaper option, by $155 a year on a $10,000 investment.
Which performed better, GRF or SCHD?
Over the past year GRF returned +6.67% vs +27.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), GRF annualized +9.94% vs +11.30% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, GRF or SCHD?
GRF has been the more volatile fund at 46.1% annualized versus 13.6% for SCHD. Worst drawdown: GRF -65.8% vs SCHD -33.4%.
Should I hold both GRF and SCHD?
GRF and SCHD have a monthly-return correlation of 0.18, 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 GRF and SCHD?
At least 7.6% of SCHD's money is in holdings GRF also owns. Our book for GRF is partial, so the real figure is this or higher. They hold 3 positions in common, counted across the 22 positions we hold weights for in GRF and 100 in SCHD.
Which pays a higher dividend, GRF or SCHD?
GRF yields 8.34% while SCHD yields 3.00%, so GRF currently pays the higher dividend yield.
Is SCHD better than GRF?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.