PRAY vs SCHD
FIS Christian Stock Fund 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 | PRAY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.06% | |
| AUM | $80M | $108.7B | |
| Dividend Yield | 0.61% | 3.13% | |
| Holdings | 68 | 104 | |
| YTD Return | +9.33% | +25.69% | |
| 1Y Return | +9.08% | +30.41% | |
| 3Y Return (annualized) | +13.88% | +16.03% | |
| 5Y Return (annualized) | - | +9.64% | |
| Volatility (annualized) | 14.3% | 13.6% | |
| Max Drawdown | -21.4% | -33.4% | |
| Fund Family | Faith Investor Services | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 7, 2022 | Oct 20, 2011 |
PRAY vs SCHD Performance
FIS Christian Stock Fund (PRAY) is a ETF from Faith Investor Services and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PRAY returned +9.08% while SCHD returned +30.41%. Year to date, PRAY is up 9.33% versus a gain of 25.69% for SCHD.
Over three years, PRAY compounded at +13.88% per year against +16.03% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.46% annualized vs +6.55%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PRAY has been the more volatile fund, with annualized monthly volatility of 14.3% 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 -21.4% for PRAY 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PRAY charges 0.69% per year while SCHD charges 0.06%. On a $10,000 position that is $69 vs $6 annually, a gap of $63 per year that compounds over a long holding period. On income, PRAY currently yields 0.61% against 3.13% for SCHD.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, PRAY or SCHD?
PRAY has an expense ratio of 0.69% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, PRAY or SCHD?
Over the past year PRAY returned +9.08% vs +30.41% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), PRAY annualized +6.55% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, PRAY or SCHD?
PRAY has been the more volatile fund at 14.3% annualized versus 13.6% for SCHD. Worst drawdown: PRAY -21.4% vs SCHD -33.4%.
Should I hold both PRAY and SCHD?
PRAY and SCHD have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PRAY and SCHD?
PRAY and SCHD share 2 common holdings with a 1.7% weight overlap. Combined, they hold 166 unique securities.
Which pays a higher dividend, PRAY or SCHD?
PRAY yields 0.61% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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