NFLY vs SCHD
YieldMax NFLX Option Income Strategy 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 | NFLY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.01% | 0.06% | |
| AUM | $38M | $103.7B | |
| Dividend Yield | 63.77% | 3.31% | |
| Holdings | 14 | 104 | |
| YTD Return | -17.10% | +24.26% | |
| 1Y Return | -33.76% | +31.38% | |
| 3Y Return (annualized) | +12.29% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 27.0% | 13.6% | |
| Max Drawdown | -43.9% | -33.4% | |
| Fund Family | YieldMax ETF | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Aug 7, 2023 | Oct 20, 2011 |
NFLY vs SCHD Performance
YieldMax NFLX Option Income Strategy ETF (NFLY) is a ETF from YieldMax ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year NFLY returned -33.76% while SCHD returned +31.38%. Year to date, NFLY is down 17.10% versus a gain of 24.26% for SCHD.
Over three years, NFLY compounded at +12.29% per year against +15.08% for SCHD. Across the full 3-year window we track, NFLY has the edge at +12.29% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
NFLY has been the more volatile fund, with annualized monthly volatility of 27.0% compared with 13.6% 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 -43.9% for NFLY 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 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NFLY 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, NFLY currently yields 63.77% against 3.31% for SCHD.
Holdings Overlap
NFLY and SCHD share 0 holdings out of 102 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, NFLY or SCHD?
NFLY 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, NFLY or SCHD?
Over the past year NFLY returned -33.76% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), NFLY annualized +12.29% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, NFLY or SCHD?
NFLY has been the more volatile fund at 27.0% annualized versus 13.6% for SCHD. Worst drawdown: NFLY -43.9% vs SCHD -33.4%.
Should I hold both NFLY and SCHD?
NFLY and SCHD have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NFLY and SCHD?
NFLY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, NFLY or SCHD?
NFLY yields 63.77% while SCHD yields 3.31%, so NFLY currently pays the higher dividend yield.
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