GRF vs SCHD
GRF vs SCHD
Eagle Capital Growth Fund Inc. 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 100 holdings.
Side-by-Side Comparison
| Metric | GRF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.61% | 0.06% | |
| AUM | $40M | $103.7B | |
| Dividend Yield | 8.59% | 3.31% | |
| Holdings | 26 | 104 | |
| YTD Return | -3.09% | +24.26% | |
| 1Y Return | +12.84% | +31.38% | |
| 3Y Return (annualized) | +12.47% | +15.08% | |
| 5Y Return (annualized) | +9.71% | +9.72% | |
| Volatility (annualized) | 123.6% | 13.6% | |
| Max Drawdown | -91.1% | -33.4% | |
| Fund Family | Eagle Capital Growth Fund Inc. | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jul 2, 1990 | Oct 20, 2011 |
GRF vs SCHD Performance
Eagle Capital Growth Fund Inc. (GRF) is a ETF from Eagle Capital Growth Fund Inc. and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GRF returned +12.84% while SCHD returned +31.38%. Year to date, GRF is down 3.09% versus a gain of 24.26% for SCHD.
Over three years, GRF compounded at +12.47% per year against +15.08% for SCHD; over five years the annualized figures are +9.71% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +1.56%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
GRF has been the more volatile fund, with annualized monthly volatility of 123.6% 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 -91.1% for GRF 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 0.13. They move independently enough that combining them can meaningfully diversify a portfolio.
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 8.59% against 3.31% for SCHD.
Holdings Overlap
GRF and SCHD share 3 holdings out of 119 unique holdings combined, representing a 2.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $155 per year of difference.
Which performed better, GRF or SCHD?
Over the past year GRF returned +12.84% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), GRF annualized +1.56% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, GRF or SCHD?
GRF has been the more volatile fund at 123.6% annualized versus 13.6% for SCHD. Worst drawdown: GRF -91.1% vs SCHD -33.4%.
Should I hold both GRF and SCHD?
GRF and SCHD have a monthly-return correlation of 0.13, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GRF and SCHD?
GRF and SCHD share 3 common holdings with a 2.9% weight overlap. Combined, they hold 119 unique securities.
Which pays a higher dividend, GRF or SCHD?
GRF yields 8.59% while SCHD yields 3.31%, so GRF currently pays the higher dividend yield.
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