LOTI vs SCHD
Liberty One Tactical Income 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 103 holdings.
Side-by-Side Comparison
| Metric | LOTI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.01% | 0.06% | |
| AUM | $48M | $112.2B | |
| Dividend Yield | 1.77% | 3.13% | |
| Holdings | 35 | 103 | |
| YTD Return | +5.43% | +27.89% | |
| 1Y Return | +5.57% | +29.93% | |
| 3Y Return (annualized) | - | +16.13% | |
| 5Y Return (annualized) | - | +10.00% | |
| Volatility (annualized) | - | 13.6% | |
| Max Drawdown | -4.4% | -33.4% | |
| Fund Family | Liberty One Investment Management, LLC | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Sep 30, 2025 | Oct 20, 2011 |
LOTI vs SCHD Performance
Liberty One Tactical Income ETF (LOTI) is a ETF from Liberty One Investment Management, LLC and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LOTI returned +5.57% while SCHD returned +29.93%. Year to date, LOTI is up 5.43% versus a gain of 27.89% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -4.4% for LOTI and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
LOTI charges 1.01% per year while SCHD charges 0.06%. On a $10,000 position that is $101 vs $6 annually, a gap of $95 per year that compounds over a long holding period. On income, LOTI currently yields 1.77% against 3.13% for SCHD.
Holdings Overlap
LOTI and SCHD share 3 holdings out of 131 unique holdings combined, representing a 6.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, LOTI or SCHD?
LOTI has an expense ratio of 1.01% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $95 per year of difference.
Which performed better, LOTI or SCHD?
Over the past year LOTI returned +5.57% vs +29.93% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between LOTI and SCHD?
LOTI and SCHD share 3 common holdings with a 6.6% weight overlap. Combined, they hold 131 unique securities.
Which pays a higher dividend, LOTI or SCHD?
LOTI yields 1.77% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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