SCHD vs SFLO
SCHD vs SFLO
Schwab US Dividend Equity ETF vs VictoryShares Small Cap Free Cash Flow ETF
Quick Verdict
SCHD has a lower expense ratio. SFLO delivered stronger 1-year returns. SFLO offers more diversification with 199 holdings.
Side-by-Side Comparison
| Metric | SCHD | SFLO | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.49% | |
| AUM | $103.7B | $644M | |
| Dividend Yield | 3.31% | 0.79% | |
| Holdings | 104 | 201 | |
| YTD Return | +24.26% | +32.32% | |
| 1Y Return | +31.38% | +45.36% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 16.6% | |
| Max Drawdown | -33.4% | -26.6% | |
| Fund Family | Charles Schwab Asset Management | Victory Capital Management Inc. | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Dec 21, 2023 |
SCHD vs SFLO Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and VictoryShares Small Cap Free Cash Flow ETF (SFLO) is a ETF from Victory Capital Management Inc.. Over the past year SCHD returned +31.38% while SFLO returned +45.36%. Year to date, SCHD is up 24.26% versus a gain of 32.32% for SFLO.
Risk: Volatility and Drawdowns
SFLO has been the more volatile fund, with annualized monthly volatility of 16.6% 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 -33.4% for SCHD and -26.6% for SFLO. 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
SCHD charges 0.06% per year while SFLO charges 0.49%. On a $10,000 position that is $6 vs $49 annually, a gap of $43 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.79% for SFLO.
Holdings Overlap
SCHD and SFLO share 3 holdings out of 296 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or SFLO?
SCHD has an expense ratio of 0.06% while SFLO charges 0.49%. SCHD is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, SCHD or SFLO?
Over the past year SCHD returned +31.38% vs +45.36% for SFLO, so SFLO leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +18.93% for SFLO. Past performance does not guarantee future results.
Which is riskier, SCHD or SFLO?
SFLO has been the more volatile fund at 16.6% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SFLO -26.6%.
Should I hold both SCHD and SFLO?
SCHD and SFLO 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 SCHD and SFLO?
SCHD and SFLO share 3 common holdings with a 0.3% weight overlap. Combined, they hold 296 unique securities.
Which pays a higher dividend, SCHD or SFLO?
SCHD yields 3.31% while SFLO yields 0.79%, so SCHD currently pays the higher dividend yield.
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