GSUS vs SCHD
Goldman Sachs MarketBeta US Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. GSUS offers more diversification with 413 holdings.
Side-by-Side Comparison
| Metric | GSUS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.06% | |
| AUM | $3.1B | $103.7B | |
| Dividend Yield | 0.99% | 3.31% | |
| Holdings | 414 | 104 | |
| YTD Return | +12.91% | +25.33% | |
| 1Y Return | +21.50% | +32.31% | |
| 3Y Return (annualized) | +21.76% | +15.40% | |
| 5Y Return (annualized) | +12.83% | +9.70% | |
| Volatility (annualized) | 15.8% | 13.6% | |
| Max Drawdown | -25.6% | -33.4% | |
| Fund Family | Goldman Sachs Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 12, 2020 | Oct 20, 2011 |
GSUS vs SCHD Performance
Goldman Sachs MarketBeta US Equity ETF (GSUS) 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 GSUS returned +21.50% while SCHD returned +32.31%. Year to date, GSUS is up 12.91% versus a gain of 25.33% for SCHD.
Over three years, GSUS compounded at +21.76% per year against +15.40% for SCHD; over five years the annualized figures are +12.83% and +9.70% respectively. Across the full 6-year window we track, GSUS has the edge at +18.81% annualized vs +11.45%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
GSUS has been the more volatile fund, with annualized monthly volatility of 15.8% 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 -25.6% for GSUS 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
GSUS charges 0.07% per year while SCHD charges 0.06%. On a $10,000 position that is $7 vs $6 annually, a gap of $1 per year that compounds over a long holding period. On income, GSUS currently yields 0.99% against 3.31% for SCHD.
Holdings Overlap
GSUS and SCHD share 42 holdings out of 471 unique holdings combined, representing a 8.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, GSUS or SCHD?
GSUS has an expense ratio of 0.07% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, GSUS or SCHD?
Over the past year GSUS returned +21.50% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), GSUS annualized +18.81% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, GSUS or SCHD?
GSUS has been the more volatile fund at 15.8% annualized versus 13.6% for SCHD. Worst drawdown: GSUS -25.6% vs SCHD -33.4%.
Should I hold both GSUS and SCHD?
GSUS and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GSUS and SCHD?
GSUS and SCHD share 42 common holdings with a 8.2% weight overlap. Combined, they hold 471 unique securities.
Which pays a higher dividend, GSUS or SCHD?
GSUS yields 0.99% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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