ROAM vs SCHD
Hartford Multifactor Emerging Markets ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. ROAM delivered stronger 1-year returns. ROAM offers more diversification with 326 holdings.
Side-by-Side Comparison
| Metric | ROAM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.44% | 0.06% | |
| AUM | $107M | $103.7B | |
| Dividend Yield | 2.37% | 3.31% | |
| Holdings | 327 | 104 | |
| YTD Return | +21.04% | +25.62% | |
| 1Y Return | +36.27% | +32.62% | |
| 3Y Return (annualized) | +22.36% | +15.58% | |
| 5Y Return (annualized) | +11.33% | +9.63% | |
| Volatility (annualized) | 16.3% | 13.6% | |
| Max Drawdown | -48.6% | -33.4% | |
| Fund Family | Hartford Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 25, 2015 | Oct 20, 2011 |
ROAM vs SCHD Performance
Hartford Multifactor Emerging Markets ETF (ROAM) is a ETF from Hartford Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year ROAM returned +36.27% while SCHD returned +32.62%. Year to date, ROAM is up 21.04% versus a gain of 25.62% for SCHD.
Over three years, ROAM compounded at +22.36% per year against +15.58% for SCHD; over five years the annualized figures are +11.33% and +9.63% respectively. Across the full 12-year window we track, SCHD has the edge at +11.47% annualized vs +4.81%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ROAM has been the more volatile fund, with annualized monthly volatility of 16.3% 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 -48.6% for ROAM 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ROAM charges 0.44% per year while SCHD charges 0.06%. On a $10,000 position that is $44 vs $6 annually, a gap of $38 per year that compounds over a long holding period. On income, ROAM currently yields 2.37% against 3.31% for SCHD.
Holdings Overlap
ROAM and SCHD share 0 holdings out of 426 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, ROAM or SCHD?
ROAM has an expense ratio of 0.44% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $38 per year of difference.
Which performed better, ROAM or SCHD?
Over the past year ROAM returned +36.27% vs +32.62% for SCHD, so ROAM leads on 1-year performance. Over the longest common window we track (12 years), ROAM annualized +4.81% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, ROAM or SCHD?
ROAM has been the more volatile fund at 16.3% annualized versus 13.6% for SCHD. Worst drawdown: ROAM -48.6% vs SCHD -33.4%.
Should I hold both ROAM and SCHD?
ROAM and SCHD have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ROAM and SCHD?
ROAM and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 426 unique securities.
Which pays a higher dividend, ROAM or SCHD?
ROAM yields 2.37% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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