QVOY vs SCHD
Q3 All-Season Active Rotation 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 | QVOY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.16% | 0.06% | |
| AUM | $66M | $108.7B | |
| Dividend Yield | 0.57% | 3.13% | |
| Holdings | 12 | 104 | |
| YTD Return | +9.06% | +27.67% | |
| 1Y Return | +12.06% | +31.26% | |
| 3Y Return (annualized) | +8.45% | +16.66% | |
| 5Y Return (annualized) | - | +10.18% | |
| Volatility (annualized) | 14.2% | 13.6% | |
| Max Drawdown | -17.1% | -33.4% | |
| Fund Family | Q3 Asset Management | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Dec 6, 2022 | Oct 20, 2011 |
QVOY vs SCHD Performance
Q3 All-Season Active Rotation ETF (QVOY) is a ETF from Q3 Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year QVOY returned +12.06% while SCHD returned +31.26%. Year to date, QVOY is up 9.06% versus a gain of 27.67% for SCHD.
Over three years, QVOY compounded at +8.45% per year against +16.66% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.57% annualized vs +9.28%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QVOY has been the more volatile fund, with annualized monthly volatility of 14.2% 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 -17.1% for QVOY 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QVOY charges 1.16% per year while SCHD charges 0.06%. On a $10,000 position that is $116 vs $6 annually, a gap of $110 per year that compounds over a long holding period. On income, QVOY currently yields 0.57% against 3.13% for SCHD.
Holdings Overlap
QVOY and SCHD share 0 holdings out of 111 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, QVOY or SCHD?
QVOY has an expense ratio of 1.16% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $110 per year of difference.
Which performed better, QVOY or SCHD?
Over the past year QVOY returned +12.06% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), QVOY annualized +9.28% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, QVOY or SCHD?
QVOY has been the more volatile fund at 14.2% annualized versus 13.6% for SCHD. Worst drawdown: QVOY -17.1% vs SCHD -33.4%.
Should I hold both QVOY and SCHD?
QVOY and SCHD have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between QVOY and SCHD?
QVOY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 111 unique securities.
Which pays a higher dividend, QVOY or SCHD?
QVOY yields 0.57% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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