LQAI vs SCHD
LG QRAFT AI-Powered US Large Cap Core 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 104 holdings.
Side-by-Side Comparison
| Metric | LQAI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.06% | |
| AUM | $2M | $108.7B | |
| Dividend Yield | 0.95% | 3.13% | |
| Holdings | 101 | 104 | |
| YTD Return | +17.85% | +28.70% | |
| 1Y Return | +23.95% | +32.27% | |
| 3Y Return (annualized) | - | +17.27% | |
| 5Y Return (annualized) | - | +10.23% | |
| Volatility (annualized) | 15.4% | 13.7% | |
| Max Drawdown | -21.2% | -33.4% | |
| Fund Family | QRAFT AI ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 7, 2023 | Oct 20, 2011 |
LQAI vs SCHD Performance
LG QRAFT AI-Powered US Large Cap Core ETF (LQAI) is a ETF from QRAFT AI ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LQAI returned +23.95% while SCHD returned +32.27%. Year to date, LQAI is up 17.85% versus a gain of 28.70% for SCHD.
Risk: Volatility and Drawdowns
LQAI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 13.7% 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 -21.2% for LQAI 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 0.23. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LQAI charges 0.75% per year while SCHD charges 0.06%. On a $10,000 position that is $75 vs $6 annually, a gap of $69 per year that compounds over a long holding period. On income, LQAI currently yields 0.95% against 3.13% for SCHD.
Holdings Overlap
LQAI and SCHD share 7 holdings out of 184 unique holdings combined, representing a 6.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, LQAI or SCHD?
LQAI has an expense ratio of 0.75% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, LQAI or SCHD?
Over the past year LQAI returned +23.95% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), LQAI annualized +25.09% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, LQAI or SCHD?
LQAI has been the more volatile fund at 15.4% annualized versus 13.7% for SCHD. Worst drawdown: LQAI -21.2% vs SCHD -33.4%.
Should I hold both LQAI and SCHD?
LQAI and SCHD have a monthly-return correlation of 0.23, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LQAI and SCHD?
LQAI and SCHD share 7 common holdings with a 6.3% weight overlap. Combined, they hold 184 unique securities.
Which pays a higher dividend, LQAI or SCHD?
LQAI yields 0.95% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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