SCHD vs SFYF
Schwab US Dividend Equity ETF vs SoFi Social 50 ETF
Which is better, SCHD or SFYF?
Large Cap Value against Large Cap Growth.
SCHD has a lower expense ratio. SCHD led over 1Y, SFYF over 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 51.7%.
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 | SFYF |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.29% |
| AUM | $112.2B | $42M |
| Dividend Yield | 3.13% | 0.38% |
| Holdings | 103 | 52 |
| YTD Return | +27.56%Best | +14.34% |
| 1Y Return | +30.29%Best | +25.86% |
| 3Y Return (annualized) | +16.37% | +32.16%Best |
| 5Y Return (annualized) | +10.23% | +10.45%Best |
| Volatility (annualized) | 16.2%Best | 29.4% |
| Max Drawdown | -33.4%Best | -56.1% |
| $10,000 over 5 years | $16,274 | $16,437Best |
| Top 10 Weight | 41.5%Best | 51.7% |
| Fund Family | Charles Schwab Asset Management | SoFi |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Growth |
| Inception | Oct 20, 2011 | May 7, 2019 |
Volatility and max drawdown are measured over the window both funds cover: May 8, 2019 to Sep 4, 2026 (7.3 years).
SCHD vs SFYF 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 7.3 years both funds cover.
SCHD vs SFYF Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and SoFi Social 50 ETF (SFYF) is an ETF from SoFi. Over the past year SCHD returned +30.29% while SFYF returned +25.86%. Year to date, SCHD is up 27.56% versus a gain of 14.34% for SFYF.
Over three years, SCHD compounded at +16.37% per year against +32.16% for SFYF; over five years the annualized figures are +10.23% and +10.45% respectively. Across the full 7-year window we track, SFYF has the edge at +17.77% annualized vs +12.72%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFYF has been the more volatile fund, with annualized monthly volatility of 29.4% compared with 16.2% 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 -56.1% for SFYF. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.56. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while SFYF charges 0.29%. On a $10,000 position that is $6 vs $29 annually, a gap of $23 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.38% for SFYF.
Holdings Overlap
14.8% of SCHD's money is in holdings SFYF also owns. 4.2% of SFYF's money is in holdings SCHD also owns.
SCHD and SFYF share little of their money.
5 positions in common, counted across the 100 positions we hold weights for in SCHD and 51 in SFYF, against full books of 103 and 52.
What only one of them owns
Our book lists 44 positions for SFYF that do not appear in our book for SCHD (92.4% of the fund), and 93 for SCHD that do not appear in SFYF (84.8%).
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.
You are not choosing between two funds in isolation.
Whichever of SCHD and SFYF you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or SFYF?
SCHD has an expense ratio of 0.06% while SFYF charges 0.29%. SCHD is the cheaper option, by $23 a year on a $10,000 investment.
Which performed better, SCHD or SFYF?
Over the past year SCHD returned +30.29% vs +25.86% for SFYF, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +12.72% vs +17.77% for SFYF. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or SFYF?
SFYF has been the more volatile fund at 29.4% annualized versus 16.2% for SCHD. Worst drawdown: SCHD -33.4% vs SFYF -56.1%.
Should I hold both SCHD and SFYF?
SCHD and SFYF have a monthly-return correlation of 0.56, 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 SFYF?
14.8% of SCHD's money is in holdings SFYF also owns. 4.2% of SFYF's is in holdings SCHD also owns. They hold 5 positions in common, counted across the 100 positions we hold weights for in SCHD and 51 in SFYF.
Which pays a higher dividend, SCHD or SFYF?
SCHD yields 3.13% while SFYF yields 0.38%, so SCHD currently pays the higher dividend yield.
Is SFYF better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, SFYF over 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 51.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.