QVOY vs SCHD
Q3 All-Season Active Rotation ETF vs Schwab US Dividend Equity ETF
Which is better, QVOY or SCHD?
Multi Alternative against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 97.4%.
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 | QVOY | SCHD |
|---|---|---|
| Expense Ratio | 1.32% | 0.06%Best |
| AUM | $65M | $112.1B |
| Dividend Yield | 0.56% | 3.00% |
| Holdings | 13 | 103 |
| YTD Return | +7.09% | +25.07%Best |
| 1Y Return | +3.75% | +27.61%Best |
| 3Y Return (annualized) | +6.75% | +15.74%Best |
| 5Y Return (annualized) | - | +9.89% |
| Volatility (annualized) | 14.1% | 13.1%Best |
| Max Drawdown | -17.1% | -16.1%Best |
| $10,000 over 3.8 years | $13,682 | $15,367Best |
| Top 10 Weight | 97.4% | 41.8%Best |
| Fund Family | Q3 Asset Management | Charles Schwab Asset Management |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Value |
| Inception | Dec 6, 2022 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3.8 years row, are measured over the window both funds cover: Dec 7, 2022 to Sep 11, 2026 (3.8 years).
QVOY 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 3.8 years both funds cover.
QVOY vs SCHD Performance
Q3 All-Season Active Rotation ETF (QVOY) is an ETF from Q3 Asset Management and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year QVOY returned +3.75% while SCHD returned +27.61%. Year to date, QVOY is up 7.09% versus a gain of 25.07% for SCHD.
Over three years, QVOY compounded at +6.75% per year against +15.74% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.97% annualized vs +8.60%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QVOY has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 13.1% 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 -17.1% for QVOY and -16.1% 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 0.54. They move together some of the time, and apart the rest.
Fees and Cost Over Time
QVOY charges 1.32% per year while SCHD charges 0.06%. On a $10,000 position that is $132 vs $6 annually, a gap of $126 per year that compounds over a long holding period. On income, QVOY currently yields 0.56% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 12 holdings in QVOY and 100 in SCHD, totalling 99.8% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 12 positions we hold weights for in QVOY and 100 in SCHD, against full books of 13 and 103.
What only one of them owns
Measured across the 12 and 100 positions we hold weights for.
SCHD holds 99 positions QVOY does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of QVOY 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, QVOY or SCHD?
QVOY has an expense ratio of 1.32% while SCHD charges 0.06%. SCHD is the cheaper option, by $126 a year on a $10,000 investment.
Which performed better, QVOY or SCHD?
Over the past year QVOY returned +3.75% vs +27.61% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), QVOY annualized +8.60% vs +11.97% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, QVOY or SCHD?
QVOY has been the more volatile fund at 14.1% annualized versus 13.1% for SCHD. Worst drawdown: QVOY -17.1% vs SCHD -16.1%.
Should I hold both QVOY and SCHD?
QVOY and SCHD have a monthly-return correlation of 0.54, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, QVOY or SCHD?
QVOY yields 0.56% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than QVOY?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 97.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.