SCHD vs SFTY
Schwab US Dividend Equity ETF vs Horizon Managed Risk ETF
Which is better, SCHD or SFTY?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.6% of the fund in its ten largest positions against 41.9%.
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 | SCHD | SFTY |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.77% |
| AUM | $111.6B | $818M |
| Dividend Yield | 3.24% | 0.17% |
| Holdings | 206 | 336 |
| YTD Return | +25.99%Best | +13.75% |
| 1Y Return | +31.80%Best | +16.77% |
| 3Y Return (annualized) | +17.07% | - |
| 5Y Return (annualized) | +9.69% | - |
| Volatility (annualized) | 13.9% | 10.5%Best |
| Max Drawdown | -6.9%Best | -8.6% |
| $10,000 over 1.3 years | $13,492Best | $12,714 |
| Top 10 Weight | 41.6%Best | 41.9% |
| Fund Family | Charles Schwab Asset Management | Horizon Funds |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jun 25, 2025 |
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: Jun 26, 2025 to Oct 15, 2026 (1.3 years).
SCHD vs SFTY 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 1.3 years both funds cover.
SCHD vs SFTY Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Horizon Managed Risk ETF (SFTY) is an ETF from Horizon Funds. Over the past year SCHD returned +31.80% while SFTY returned +16.77%. Year to date, SCHD is up 25.99% versus a gain of 13.75% for SFTY.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.9% compared with 10.5% for SFTY. 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 -6.9% for SCHD and -8.6% for SFTY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.26. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while SFTY charges 0.77%. On a $10,000 position that is $6 vs $77 annually, a gap of $71 per year that compounds over a long holding period. On income, SCHD currently yields 3.24% against 0.17% for SFTY.
Holdings Overlap
70.4% of SCHD's money is in holdings SFTY also owns. 8.2% of SFTY's money is in holdings SCHD also owns.
Most of SCHD is already inside SFTY. Owning both mostly buys the same companies twice.
20 positions in common, counted across the 98 positions we hold weights for in SCHD and 167 in SFTY, against full books of 206 and 336.
What only one of them owns
Our book lists 147 positions for SFTY that do not appear in our book for SCHD (91.7% of the fund), and 77 for SCHD that do not appear in SFTY (29.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in SFTY | Difference |
|---|---|---|---|
| TXNTexas Instrument Inc | 4.89% | 0.27% | 4.62% |
| CVXChevron Corp | 4.14% | 0.96% | 3.18% |
| KOCoca Cola Co. | 4.12% | 0.84% | 3.28% |
| MRKMerck & Company Inc | 4.04% | 0.88% | 3.16% |
| PGProcter & Gamble Company | 4.16% | 0.73% | 3.43% |
| QCOMQualcomm Inc. | 4.61% | 0.21% | 4.40% |
| HDHome Depot Inc/The | 3.77% | 0.68% | 3.09% |
| UNHUnitedhealth Group Incorporated | 3.95% | 0.38% | 3.57% |
| COPConocophillips Common Stock USD 0.01 | 3.91% | 0.39% | 3.52% |
| PEPPepsico Inc. | 3.80% | 0.48% | 3.32% |
70.4% of SCHD is already inside SFTY.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or SFTY?
SCHD has an expense ratio of 0.06% while SFTY charges 0.77%. SCHD is the cheaper option, by $71 a year on a $10,000 investment.
Which performed better, SCHD or SFTY?
Over the past year SCHD returned +31.80% vs +16.77% for SFTY, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +25.91% vs +20.29% for SFTY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or SFTY?
SCHD has been the more volatile fund at 13.9% annualized versus 10.5% for SFTY. Worst drawdown: SCHD -6.9% vs SFTY -8.6%.
Should I hold both SCHD and SFTY?
SCHD and SFTY have a monthly-return correlation of 0.26, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and SFTY?
70.4% of SCHD's money is in holdings SFTY also owns. 8.2% of SFTY's is in holdings SCHD also owns. They hold 20 positions in common, counted across the 98 positions we hold weights for in SCHD and 167 in SFTY.
Which pays a higher dividend, SCHD or SFTY?
SCHD yields 3.24% while SFTY yields 0.17%, so SCHD currently pays the higher dividend yield.
Is SFTY better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.6% of the fund in its ten largest positions against 41.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.