GTOC vs SCHD
Invesco Core Fixed Income ETF vs Schwab US Dividend Equity ETF
Which is better, GTOC or SCHD?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | GTOC | SCHD |
|---|---|---|
| Expense Ratio | 0.26% | 0.06%Best |
| AUM | $355M | $112.1B |
| Dividend Yield | 4.03% | 3.00% |
| Holdings | 796 | 103 |
| YTD Return | -5.20% | +21.73%Best |
| 1Y Return | -4.63% | +26.35%Best |
| 3Y Return (annualized) | - | +16.02% |
| 5Y Return (annualized) | - | +9.26% |
| Volatility (annualized) | 4.1%Best | 14.0% |
| Max Drawdown | -6.5% | -6.0%Best |
| $10,000 over 1.2 years | $9,759 | $12,638Best |
| Fund Family | Invesco (US) | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Value |
| Inception | Jul 23, 2025 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.2 years row, are measured over the window both funds cover: Jul 23, 2025 to Sep 25, 2026 (1.2 years).
GTOC vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.2 years both funds cover.
GTOC vs SCHD Performance
Invesco Core Fixed Income ETF (GTOC) is an ETF from Invesco (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year GTOC returned -4.63% while SCHD returned +26.35%. Year to date, GTOC is down 5.20% versus a gain of 21.73% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.0% compared with 4.1% for GTOC. 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 -6.5% for GTOC and -6.0% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.42. They move together some of the time, and apart the rest.
Fees and Cost Over Time
GTOC charges 0.26% per year while SCHD charges 0.06%. On a $10,000 position that is $26 vs $6 annually, a gap of $20 per year that compounds over a long holding period. On income, GTOC currently yields 4.03% against 3.00% for SCHD.
Holdings Overlap
At least 0.5% of SCHD's money is in holdings GTOC also owns.
Stated as a floor: for GTOC, our book for it covers 24.4% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 186 positions we hold weights for in GTOC and 100 in SCHD, against full books of 796 and 103.
Top Shared Holdings
| Stock | Weight in GTOC | Weight in SCHD | Difference |
|---|---|---|---|
| PFGPrincipalfinancialgroupinc. | 0.01% | 0.53% | 0.52% |
You are not choosing between two funds in isolation.
Whichever of GTOC and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, GTOC or SCHD?
GTOC has an expense ratio of 0.26% while SCHD charges 0.06%. SCHD is the cheaper option, by $20 a year on a $10,000 investment.
Which performed better, GTOC or SCHD?
Over the past year GTOC returned -4.63% vs +26.35% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), GTOC annualized -2.01% vs +21.54% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, GTOC or SCHD?
SCHD has been the more volatile fund at 14.0% annualized versus 4.1% for GTOC. Worst drawdown: GTOC -6.5% vs SCHD -6.0%.
Should I hold both GTOC and SCHD?
GTOC and SCHD have a monthly-return correlation of 0.42, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, GTOC or SCHD?
GTOC yields 4.03% while SCHD yields 3.00%, so GTOC currently pays the higher dividend yield.
Is SCHD better than GTOC?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.