SCD vs SCHD
SCD vs SCHD
LMP Capital and Income Fund Inc. vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCD offers more diversification with 139 holdings.
Side-by-Side Comparison
| Metric | SCD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 2.67% | 0.06% | |
| AUM | $397M | $103.7B | |
| Dividend Yield | 8.33% | 3.31% | |
| Holdings | 158 | 104 | |
| YTD Return | +10.59% | +24.26% | |
| 1Y Return | +13.58% | +31.38% | |
| 3Y Return (annualized) | +17.83% | +15.08% | |
| 5Y Return (annualized) | +11.13% | +9.72% | |
| Volatility (annualized) | 20.9% | 13.6% | |
| Max Drawdown | -71.3% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Feb 24, 2004 | Oct 20, 2011 |
SCD vs SCHD Performance
LMP Capital and Income Fund Inc. (SCD) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year SCD returned +13.58% while SCHD returned +31.38%. Year to date, SCD is up 10.59% versus a gain of 24.26% for SCHD.
Over three years, SCD compounded at +17.83% per year against +15.08% for SCHD; over five years the annualized figures are +11.13% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +1.17%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCD has been the more volatile fund, with annualized monthly volatility of 20.9% 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 -71.3% for SCD 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCD charges 2.67% per year while SCHD charges 0.06%. On a $10,000 position that is $267 vs $6 annually, a gap of $261 per year that compounds over a long holding period. On income, SCD currently yields 8.33% against 3.31% for SCHD.
Holdings Overlap
SCD and SCHD share 10 holdings out of 229 unique holdings combined, representing a 13.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCD | Weight in SCHD | Difference |
|---|---|---|---|
| PG | 1.97% | 4.15% | 2.18% |
| MRK | 1.77% | 4.32% | 2.55% |
| ABT | 1.21% | 4.49% | 3.28% |
| KO | Pro | Pro | Pro |
| AMGN | Pro | Pro | Pro |
| QCOM | Pro | Pro | Pro |
| LMT | Pro | Pro | Pro |
| OKE | Pro | Pro | Pro |
| BX | Pro | Pro | Pro |
| ARES | Pro | Pro | Pro |
See all 10 holdings SCD shares with SCHD Exact weights in each fund and the difference, for every overlapping position. X-ray my whole portfolio$99/yr Pro · 7-day refund | |||
Frequently Asked Questions
Which is cheaper, SCD or SCHD?
SCD has an expense ratio of 2.67% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $261 per year of difference.
Which performed better, SCD or SCHD?
Over the past year SCD returned +13.58% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCD annualized +1.17% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, SCD or SCHD?
SCD has been the more volatile fund at 20.9% annualized versus 13.6% for SCHD. Worst drawdown: SCD -71.3% vs SCHD -33.4%.
Should I hold both SCD and SCHD?
SCD and SCHD have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCD and SCHD?
SCD and SCHD share 10 common holdings with a 13.1% weight overlap. Combined, they hold 229 unique securities.
Which pays a higher dividend, SCD or SCHD?
SCD yields 8.33% while SCHD yields 3.31%, so SCD currently pays the higher dividend yield.
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