SCHD vs SFYI
Schwab US Dividend Equity ETF vs SoFi Social 50 Income ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | SFYI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.72% | |
| AUM | $108.7B | $2M | |
| Dividend Yield | 3.13% | 0.00% | |
| Holdings | 104 | 51 | |
| YTD Return | +28.63% | +1.81% | |
| 1Y Return | +32.53% | - | |
| 3Y Return (annualized) | +16.97% | - | |
| 5Y Return (annualized) | +10.47% | - | |
| Volatility (annualized) | 13.7% | - | |
| Max Drawdown | -33.4% | -7.7% | |
| Fund Family | Charles Schwab Asset Management | SoFi | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jul 6, 2026 |
SCHD vs SFYI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and SoFi Social 50 Income ETF (SFYI) is a ETF from SoFi. Year to date, SCHD is up 28.63% versus a gain of 1.81% for SFYI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -7.7% for SFYI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while SFYI charges 0.72%. On a $10,000 position that is $6 vs $72 annually, a gap of $66 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.00% for SFYI.
Holdings Overlap
SCHD and SFYI share 5 holdings out of 145 unique holdings combined, representing a 5.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or SFYI?
SCHD has an expense ratio of 0.06% while SFYI charges 0.72%. SCHD is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
What is the holdings overlap between SCHD and SFYI?
SCHD and SFYI share 5 common holdings with a 5.4% weight overlap. Combined, they hold 145 unique securities.
Which pays a higher dividend, SCHD or SFYI?
SCHD yields 3.13% while SFYI yields 0.00%, so SCHD currently pays the higher dividend yield.
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