LOTI vs SCHD
Liberty One Tactical Income ETF vs Schwab US Dividend Equity ETF
Which is better, LOTI or SCHD?
Tactical Allocation against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 51.8%.
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 | LOTI | SCHD |
|---|---|---|
| Expense Ratio | 1.01% | 0.06%Best |
| AUM | $47M | $108.9B |
| Dividend Yield | 1.95% | 3.00% |
| Holdings | 68 | 206 |
| YTD Return | +3.77% | +23.29%Best |
| 1Y Return | +3.45% | +29.70%Best |
| 3Y Return (annualized) | - | +16.26% |
| 5Y Return (annualized) | - | +9.65% |
| Volatility (annualized) | 6.9%Best | 14.5% |
| Max Drawdown | -4.4%Best | -6.9% |
| $10,000 over 1 years | $10,378 | $12,552Best |
| Top 10 Weight | 51.8% | 41.8%Best |
| Fund Family | Liberty One Investment Management, LLC | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Tactical Allocation | Large Cap Value |
| Inception | Sep 30, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Sep 30, 2025 to Oct 13, 2026 (1 years).
LOTI vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1 years both funds cover.
LOTI vs SCHD Performance
Liberty One Tactical Income ETF (LOTI) is an ETF from Liberty One Investment Management, LLC and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year LOTI returned +3.45% while SCHD returned +29.70%. Year to date, LOTI is up 3.77% versus a gain of 23.29% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.5% compared with 6.9% for LOTI. 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 -4.4% for LOTI and -6.9% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. They usually move together, but the gap leaves some room for diversification.
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 1.95% against 3.00% for SCHD.
Holdings Overlap
6.7% of LOTI's money is in holdings SCHD also owns. 12.0% of SCHD's money is in holdings LOTI also owns.
SCHD and LOTI share little of their money.
3 positions in common, counted across the 34 positions we hold weights for in LOTI and 99 in SCHD, against full books of 68 and 206.
What only one of them owns
Our book lists 95 positions for SCHD that do not appear in our book for LOTI (87.9% of the fund), and 31 for LOTI that do not appear in SCHD (93.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of LOTI and SCHD 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, LOTI or SCHD?
LOTI has an expense ratio of 1.01% while SCHD charges 0.06%. SCHD is the cheaper option, by $95 a year on a $10,000 investment.
Which performed better, LOTI or SCHD?
Over the past year LOTI returned +3.45% vs +29.70% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), LOTI annualized +3.78% vs +25.52% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LOTI or SCHD?
SCHD has been the more volatile fund at 14.5% annualized versus 6.9% for LOTI. Worst drawdown: LOTI -4.4% vs SCHD -6.9%.
Should I hold both LOTI and SCHD?
LOTI and SCHD have a monthly-return correlation of 0.77, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between LOTI and SCHD?
12.0% of SCHD's money is in holdings LOTI also owns. 12.0% of SCHD's is in holdings LOTI also owns. They hold 3 positions in common, counted across the 34 positions we hold weights for in LOTI and 99 in SCHD.
Which pays a higher dividend, LOTI or SCHD?
LOTI yields 1.95% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than LOTI?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 51.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.