GSIE vs SCHD
Goldman Sachs ActiveBeta International Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. GSIE offers more diversification with 673 holdings.
Side-by-Side Comparison
| Metric | GSIE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $6.1B | $108.7B | |
| Dividend Yield | 2.50% | 3.13% | |
| Holdings | 673 | 104 | |
| YTD Return | +13.11% | +28.70% | |
| 1Y Return | +21.44% | +32.27% | |
| 3Y Return (annualized) | +19.52% | +17.27% | |
| 5Y Return (annualized) | +9.27% | +10.23% | |
| Volatility (annualized) | 14.5% | 13.7% | |
| Max Drawdown | -37.2% | -33.4% | |
| Fund Family | Goldman Sachs Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 6, 2015 | Oct 20, 2011 |
GSIE vs SCHD Performance
Goldman Sachs ActiveBeta International Equity ETF (GSIE) is a ETF from Goldman Sachs Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GSIE returned +21.44% while SCHD returned +32.27%. Year to date, GSIE is up 13.11% versus a gain of 28.70% for SCHD.
Over three years, GSIE compounded at +19.52% per year against +17.27% for SCHD; over five years the annualized figures are +9.27% and +10.23% respectively. Across the full 11-year window we track, SCHD has the edge at +11.63% annualized vs +7.92%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
GSIE has been the more volatile fund, with annualized monthly volatility of 14.5% compared with 13.7% 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 -37.2% for GSIE 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
GSIE charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, GSIE currently yields 2.50% against 3.13% for SCHD.
Holdings Overlap
GSIE and SCHD share 0 holdings out of 739 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, GSIE or SCHD?
GSIE has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, GSIE or SCHD?
Over the past year GSIE returned +21.44% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), GSIE annualized +7.92% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, GSIE or SCHD?
GSIE has been the more volatile fund at 14.5% annualized versus 13.7% for SCHD. Worst drawdown: GSIE -37.2% vs SCHD -33.4%.
Should I hold both GSIE and SCHD?
GSIE and SCHD have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GSIE and SCHD?
GSIE and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 739 unique securities.
Which pays a higher dividend, GSIE or SCHD?
GSIE yields 2.50% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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