LAYS vs SCHD
STKd 100% NVDA & 100% AMD ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. LAYS delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | LAYS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.29% | 0.06% | |
| AUM | $6M | $103.7B | |
| Dividend Yield | 15.43% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | +33.00% | +25.62% | |
| 1Y Return | +413.40% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 115.8% | 13.6% | |
| Max Drawdown | -47.2% | -33.4% | |
| Fund Family | Quantify Funds | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Mar 5, 2025 | Oct 20, 2011 |
LAYS vs SCHD Performance
STKd 100% NVDA & 100% AMD ETF (LAYS) is a ETF from Quantify Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LAYS returned +413.40% while SCHD returned +32.62%. Year to date, LAYS is up 33.00% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
LAYS has been the more volatile fund, with annualized monthly volatility of 115.8% 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 -47.2% for LAYS 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 -0.03. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LAYS charges 1.29% per year while SCHD charges 0.06%. On a $10,000 position that is $129 vs $6 annually, a gap of $123 per year that compounds over a long holding period. On income, LAYS currently yields 15.43% against 3.31% for SCHD.
Holdings Overlap
LAYS and SCHD share 0 holdings out of 102 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, LAYS or SCHD?
LAYS has an expense ratio of 1.29% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $123 per year of difference.
Which performed better, LAYS or SCHD?
Over the past year LAYS returned +413.40% vs +32.62% for SCHD, so LAYS leads on 1-year performance. Over the longest common window we track (1 years), LAYS annualized +236.85% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, LAYS or SCHD?
LAYS has been the more volatile fund at 115.8% annualized versus 13.6% for SCHD. Worst drawdown: LAYS -47.2% vs SCHD -33.4%.
Should I hold both LAYS and SCHD?
LAYS and SCHD have a monthly-return correlation of -0.03, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LAYS and SCHD?
LAYS and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, LAYS or SCHD?
LAYS yields 15.43% while SCHD yields 3.31%, so LAYS currently pays the higher dividend yield.
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