GSIG vs SCHD
Goldman Sachs Access Investment Grade Corporate 1-5 Year Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. GSIG offers more diversification with 454 holdings.
Side-by-Side Comparison
| Metric | GSIG | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.06% | |
| AUM | $9M | $103.7B | |
| Dividend Yield | 4.35% | 3.31% | |
| Holdings | 510 | 104 | |
| YTD Return | +0.30% | +25.62% | |
| 1Y Return | +4.17% | +32.62% | |
| 3Y Return (annualized) | +5.16% | +15.58% | |
| 5Y Return (annualized) | +2.06% | +9.63% | |
| Volatility (annualized) | 3.1% | 13.6% | |
| Max Drawdown | -9.6% | -33.4% | |
| Fund Family | Goldman Sachs Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jul 7, 2020 | Oct 20, 2011 |
GSIG vs SCHD Performance
Goldman Sachs Access Investment Grade Corporate 1-5 Year Bond ETF (GSIG) 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 GSIG returned +4.17% while SCHD returned +32.62%. Year to date, GSIG is up 0.30% versus a gain of 25.62% for SCHD.
Over three years, GSIG compounded at +5.16% per year against +15.58% for SCHD; over five years the annualized figures are +2.06% and +9.63% respectively. Across the full 6-year window we track, SCHD has the edge at +11.47% annualized vs +1.91%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.1% for GSIG. 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 -9.6% for GSIG 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GSIG charges 0.08% per year while SCHD charges 0.06%. On a $10,000 position that is $8 vs $6 annually, a gap of $2 per year that compounds over a long holding period. On income, GSIG currently yields 4.35% against 3.31% for SCHD.
Holdings Overlap
GSIG and SCHD share 0 holdings out of 554 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, GSIG or SCHD?
GSIG has an expense ratio of 0.08% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, GSIG or SCHD?
Over the past year GSIG returned +4.17% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), GSIG annualized +1.91% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, GSIG or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 3.1% for GSIG. Worst drawdown: GSIG -9.6% vs SCHD -33.4%.
Should I hold both GSIG and SCHD?
GSIG and SCHD have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GSIG and SCHD?
GSIG and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 554 unique securities.
Which pays a higher dividend, GSIG or SCHD?
GSIG yields 4.35% while SCHD yields 3.31%, so GSIG currently pays the higher dividend yield.
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