GRIN vs SCHD
VictoryShares International Free Cash Flow Growth ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. GRIN offers more diversification with 101 holdings.
Side-by-Side Comparison
| Metric | GRIN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.56% | 0.06% | |
| AUM | $274M | $103.7B | |
| Dividend Yield | 0.23% | 3.31% | |
| Holdings | 105 | 104 | |
| YTD Return | +20.66% | +25.62% | |
| 1Y Return | +31.99% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 19.5% | 13.6% | |
| Max Drawdown | -14.3% | -33.4% | |
| Fund Family | Victory Capital Management Inc. | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 25, 2025 | Oct 20, 2011 |
GRIN vs SCHD Performance
VictoryShares International Free Cash Flow Growth ETF (GRIN) is a ETF from Victory Capital Management Inc. and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GRIN returned +31.99% while SCHD returned +32.62%. Year to date, GRIN is up 20.66% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
GRIN has been the more volatile fund, with annualized monthly volatility of 19.5% 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 -14.3% for GRIN 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 0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GRIN charges 0.56% per year while SCHD charges 0.06%. On a $10,000 position that is $56 vs $6 annually, a gap of $50 per year that compounds over a long holding period. On income, GRIN currently yields 0.23% against 3.31% for SCHD.
Holdings Overlap
GRIN and SCHD share 0 holdings out of 201 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, GRIN or SCHD?
GRIN has an expense ratio of 0.56% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $50 per year of difference.
Which performed better, GRIN or SCHD?
Over the past year GRIN returned +31.99% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), GRIN annualized +28.72% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, GRIN or SCHD?
GRIN has been the more volatile fund at 19.5% annualized versus 13.6% for SCHD. Worst drawdown: GRIN -14.3% vs SCHD -33.4%.
Should I hold both GRIN and SCHD?
GRIN and SCHD have a monthly-return correlation of 0.30, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GRIN and SCHD?
GRIN and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 201 unique securities.
Which pays a higher dividend, GRIN or SCHD?
GRIN yields 0.23% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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