SCHD vs SFYI
Schwab US Dividend Equity ETF vs SoFi Social 50 Income ETF
Which is better, SCHD or SFYI?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 51.1%.
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 | SFYI |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.72% |
| AUM | $112.1B | $2M |
| Dividend Yield | 3.00% | 2.03% |
| Holdings | 103 | 51 |
| YTD Return | +25.07%Best | +3.09% |
| 1Y Return | +27.61% | - |
| 3Y Return (annualized) | +15.74% | - |
| 5Y Return (annualized) | +9.89% | - |
| Top 10 Weight | 41.8%Best | 51.1% |
| Fund Family | Charles Schwab Asset Management | SoFi |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jul 6, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
SCHD vs SFYI 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SCHD vs SFYI Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and SoFi Social 50 Income ETF (SFYI) is an ETF from SoFi. Year to date, SCHD is up 25.07% versus a gain of 3.09% for SFYI.
Past performance does not guarantee future results.
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 3.00% against 2.03% for SFYI.
Holdings Overlap
17.3% of SCHD's money is in holdings SFYI also owns. 5.4% of SFYI's money is in holdings SCHD also owns.
SCHD and SFYI share little of their money.
The two holdings books were reported 54 days apart, SCHD as of Aug 31, 2026 and SFYI as of Jul 8, 2026, so some of the difference between them is the time between the two reports rather than the funds.
5 positions in common, counted across the 100 positions we hold weights for in SCHD and 50 in SFYI, against full books of 103 and 51.
What only one of them owns
Our book lists 37 positions for SFYI that do not appear in our book for SCHD (76.3% of the fund), and 94 for SCHD that do not appear in SFYI (82.6%).
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 SFYI 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 SFYI?
SCHD has an expense ratio of 0.06% while SFYI charges 0.72%. SCHD is the cheaper option, by $66 a year on a $10,000 investment.
What is the holdings overlap between SCHD and SFYI?
17.3% of SCHD's money is in holdings SFYI also owns. 5.4% of SFYI'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 50 in SFYI.
Which pays a higher dividend, SCHD or SFYI?
SCHD yields 3.00% while SFYI yields 2.03%, so SCHD currently pays the higher dividend yield.
Is SFYI better than SCHD?
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 51.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.