LVHI vs SCHD
Franklin International Low Volatility High Dividend Index ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. LVHI offers more diversification with 300 holdings.
Side-by-Side Comparison
| Metric | LVHI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.06% | |
| AUM | $5.6B | $108.7B | |
| Dividend Yield | 3.76% | 3.13% | |
| Holdings | 300 | 104 | |
| YTD Return | +14.68% | +27.67% | |
| 1Y Return | +26.09% | +31.26% | |
| 3Y Return (annualized) | +23.11% | +16.66% | |
| 5Y Return (annualized) | +15.92% | +10.18% | |
| Volatility (annualized) | 11.0% | 13.6% | |
| Max Drawdown | -32.3% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jul 27, 2016 | Oct 20, 2011 |
LVHI vs SCHD Performance
Franklin International Low Volatility High Dividend Index ETF (LVHI) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LVHI returned +26.09% while SCHD returned +31.26%. Year to date, LVHI is up 14.68% versus a gain of 27.67% for SCHD.
Over three years, LVHI compounded at +23.11% per year against +16.66% for SCHD; over five years the annualized figures are +15.92% and +10.18% respectively. Across the full 10-year window we track, SCHD has the edge at +11.57% annualized vs +11.42%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.0% for LVHI. 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 -32.3% for LVHI 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
LVHI charges 0.40% per year while SCHD charges 0.06%. On a $10,000 position that is $40 vs $6 annually, a gap of $34 per year that compounds over a long holding period. On income, LVHI currently yields 3.76% against 3.13% for SCHD.
Holdings Overlap
LVHI and SCHD share 0 holdings out of 293 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, LVHI or SCHD?
LVHI has an expense ratio of 0.40% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
Which performed better, LVHI or SCHD?
Over the past year LVHI returned +26.09% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (10 years), LVHI annualized +11.42% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, LVHI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.0% for LVHI. Worst drawdown: LVHI -32.3% vs SCHD -33.4%.
Should I hold both LVHI and SCHD?
LVHI and SCHD have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LVHI and SCHD?
LVHI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 293 unique securities.
Which pays a higher dividend, LVHI or SCHD?
LVHI yields 3.76% while SCHD yields 3.13%, so LVHI currently pays the higher dividend yield.
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