HFXI vs SCHD
NYLI FTSE International Equity Currency Neutral ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. HFXI delivered stronger 1-year returns. HFXI offers more diversification with 876 holdings.
Side-by-Side Comparison
| Metric | HFXI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.06% | |
| AUM | $2.1B | $108.7B | |
| Dividend Yield | 3.39% | 3.13% | |
| Holdings | 876 | 104 | |
| YTD Return | +18.37% | +26.21% | |
| 1Y Return | +31.28% | +29.99% | |
| 3Y Return (annualized) | +21.18% | +15.73% | |
| 5Y Return (annualized) | +12.34% | +9.67% | |
| Volatility (annualized) | 13.9% | 13.6% | |
| Max Drawdown | -34.2% | -33.4% | |
| Fund Family | INDEXIQ ETF TRUST | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jul 22, 2015 | Oct 20, 2011 |
HFXI vs SCHD Performance
NYLI FTSE International Equity Currency Neutral ETF (HFXI) is a ETF from INDEXIQ ETF TRUST and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year HFXI returned +31.28% while SCHD returned +29.99%. Year to date, HFXI is up 18.37% versus a gain of 26.21% for SCHD.
Over three years, HFXI compounded at +21.18% per year against +15.73% for SCHD; over five years the annualized figures are +12.34% and +9.67% respectively. Across the full 11-year window we track, SCHD has the edge at +11.50% annualized vs +8.03%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HFXI has been the more volatile fund, with annualized monthly volatility of 13.9% 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 -34.2% for HFXI 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
HFXI charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, HFXI currently yields 3.39% against 3.13% for SCHD.
Holdings Overlap
HFXI and SCHD share 0 holdings out of 842 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, HFXI or SCHD?
HFXI has an expense ratio of 0.20% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $14 per year of difference.
Which performed better, HFXI or SCHD?
Over the past year HFXI returned +31.28% vs +29.99% for SCHD, so HFXI leads on 1-year performance. Over the longest common window we track (11 years), HFXI annualized +8.03% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, HFXI or SCHD?
HFXI has been the more volatile fund at 13.9% annualized versus 13.6% for SCHD. Worst drawdown: HFXI -34.2% vs SCHD -33.4%.
Should I hold both HFXI and SCHD?
HFXI 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 HFXI and SCHD?
HFXI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 842 unique securities.
Which pays a higher dividend, HFXI or SCHD?
HFXI yields 3.39% while SCHD yields 3.13%, so HFXI currently pays the higher dividend yield.
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