GUDB vs SCHI
Sage ESG Intermediate Term ETF vs Schwab 5-10 Year Corporate Bond ETF
Which is better, GUDB or SCHI?
Nearly the same fund. SCHI costs less.
SCHI has a lower expense ratio. GUDB led over 1Y, SCHI over the full window. The two have moved almost in lockstep, correlation 0.97.
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 | GUDB | SCHI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $7M | $10.9B |
| Dividend Yield | 7.52% | 5.12% |
| Holdings | 1 | 2,375 |
| Volatility (annualized) | 6.7%Best | 9.2% |
| Max Drawdown | -14.6%Best | -16.8% |
| $10,000 over 1.2 years | $10,691 | $10,733Best |
| Fund Family | Sage | Charles Schwab Asset Management |
| Category | Fixed Income | Fixed Income |
| Inception | Oct 31, 2017 | Oct 10, 2019 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight, Style.
The two price series end 2115 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. GUDB has data through Dec 28, 2020 and SCHI through Oct 13, 2026.
Volatility and max drawdown, and the $10,000 over 1.2 years row, are measured over the window both funds cover: Oct 10, 2019 to Dec 28, 2020 (1.2 years).
Risk: Volatility and Drawdowns
SCHI has been the more volatile fund, with annualized monthly volatility of 9.2% compared with 6.7% for GUDB. 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 -14.6% for GUDB and -16.8% for SCHI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
GUDB charges 0.35% per year while SCHI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, GUDB currently yields 7.52% against 5.12% for SCHI.
You are not choosing between two funds in isolation.
Whichever of GUDB and SCHI 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, GUDB or SCHI?
GUDB has an expense ratio of 0.35% while SCHI charges 0.03%. SCHI is the cheaper option, by $32 a year on a $10,000 investment.
Which is riskier, GUDB or SCHI?
SCHI has been the more volatile fund at 9.2% annualized versus 6.7% for GUDB. Worst drawdown: GUDB -14.6% vs SCHI -16.8%.
Should I hold both GUDB and SCHI?
GUDB and SCHI have a monthly-return correlation of 0.97, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, GUDB or SCHI?
GUDB yields 7.52% while SCHI yields 5.12%, so GUDB currently pays the higher dividend yield.
Is SCHI better than GUDB?
SCHI has a lower expense ratio. GUDB led over 1Y, SCHI over the full window. The two have moved almost in lockstep, correlation 0.97. Which one suits a particular account depends on what it is for. This is information, not a recommendation.