LCAP vs SCHD
LCAP vs SCHD
Principal Capital Appreciation Select ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | LCAP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.06% | |
| AUM | $1.8B | $103.7B | |
| Dividend Yield | 0.09% | 3.31% | |
| Holdings | 58 | 104 | |
| YTD Return | +14.45% | +24.26% | |
| 1Y Return | +24.60% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 10.8% | 13.6% | |
| Max Drawdown | -11.3% | -33.4% | |
| Fund Family | Principal Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Mar 25, 2025 | Oct 20, 2011 |
LCAP vs SCHD Performance
Principal Capital Appreciation Select ETF (LCAP) is a ETF from Principal Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LCAP returned +24.60% while SCHD returned +31.38%. Year to date, LCAP is up 14.45% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.8% for LCAP. 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 -11.3% for LCAP 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 0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LCAP charges 0.29% per year while SCHD charges 0.06%. On a $10,000 position that is $29 vs $6 annually, a gap of $23 per year that compounds over a long holding period. On income, LCAP currently yields 0.09% against 3.31% for SCHD.
Holdings Overlap
LCAP and SCHD share 4 holdings out of 150 unique holdings combined, representing a 3.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in LCAP | Weight in SCHD | Difference |
|---|---|---|---|
| KO | 2.09% | 4.08% | 1.99% |
| UNH | 1.37% | 4.54% | 3.17% |
| GVMXX | 2.77% | 0.04% | 2.73% |
| NXST | Pro | Pro | Pro |
See all 4 holdings LCAP shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, LCAP or SCHD?
LCAP has an expense ratio of 0.29% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $23 per year of difference.
Which performed better, LCAP or SCHD?
Over the past year LCAP returned +24.60% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), LCAP annualized +25.19% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, LCAP or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.8% for LCAP. Worst drawdown: LCAP -11.3% vs SCHD -33.4%.
Should I hold both LCAP and SCHD?
LCAP and SCHD have a monthly-return correlation of 0.30, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LCAP and SCHD?
LCAP and SCHD share 4 common holdings with a 3.6% weight overlap. Combined, they hold 150 unique securities.
Which pays a higher dividend, LCAP or SCHD?
LCAP yields 0.09% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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