SCHD vs SFYX
Schwab US Dividend Equity ETF vs Sofi Next 500 ETF
Which is better, SCHD or SFYX?
Large Cap Value against Mid Cap Blend.
SCHD led over 1Y and the full window. SFYX is less concentrated, with 10.3% of the fund in its ten largest positions against 41.8%.
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 | SFYX |
|---|---|---|
| Expense Ratio | 0.06%Tie | 0.06%Tie |
| AUM | $108.9B | $28M |
| Dividend Yield | 3.00% | 1.39% |
| Holdings | 206 | 491 |
| Volatility (annualized) | 16.8%Best | 20.9% |
| Max Drawdown | -33.4%Best | -39.6% |
| $10,000 over 6.9 years | $21,298Best | $18,693 |
| Top 10 Weight | 41.8% | 10.3%Best |
| Fund Family | Charles Schwab Asset Management | SoFi |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Blend |
| Inception | Oct 20, 2011 | Apr 10, 2019 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 225 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. SCHD has data through Oct 1, 2026 and SFYX through Feb 18, 2026.
Volatility and max drawdown, and the $10,000 over 6.9 years row, are measured over the window both funds cover: Apr 11, 2019 to Feb 18, 2026 (6.9 years).
Risk: Volatility and Drawdowns
SFYX has been the more volatile fund, with annualized monthly volatility of 20.9% compared with 16.8% 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 -39.6% for SFYX. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while SFYX charges 0.06%. On a $10,000 position that is $6 vs $6 annually. On income, SCHD currently yields 3.00% against 1.39% for SFYX.
Holdings Overlap
2.8% of SCHD's money is in holdings SFYX also owns. 1.9% of SFYX's money is in holdings SCHD also owns.
SCHD and SFYX share little of their money.
The two holdings books were reported 287 days apart, SCHD as of Sep 11, 2026 and SFYX as of Nov 28, 2025, so some of the difference between them is the time between the two reports rather than the funds.
15 positions in common, counted across the 99 positions we hold weights for in SCHD and 492 in SFYX, against full books of 206 and 491.
What only one of them owns
Our book lists 467 positions for SFYX that do not appear in our book for SCHD (94.7% of the fund), and 83 for SCHD that do not appear in SFYX (97.1%).
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 SFYX | Difference |
|---|---|---|---|
| EWBCEast West Bancorp, Inc. | 0.44% | 0.30% | 0.14% |
| APAAPA Corp. | 0.40% | 0.19% | 0.21% |
| DINOHollyfrontier | 0.41% | 0.11% | 0.30% |
| ORIOld Republic International Corp | 0.23% | 0.22% | 0.01% |
| AFGAmerican Financial Group Inc/Oh | 0.24% | 0.19% | 0.05% |
| COLBColumbia Banking System Inc Common Stock | 0.22% | 0.11% | 0.11% |
| ERIEErie Indemnity-a | 0.16% | 0.17% | 0.01% |
| OZKBank Ozk | 0.13% | 0.11% | 0.02% |
| NXSTNexstar Media Group Inc | 0.12% | 0.11% | 0.01% |
| MTNVail Resorts Inc. | 0.12% | 0.09% | 0.03% |
You are not choosing between two funds in isolation.
Whichever of SCHD and SFYX 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 SFYX?
SCHD has an expense ratio of 0.06% while SFYX charges 0.06%. At the precision these are quoted to, they cost the same.
Which is riskier, SCHD or SFYX?
SFYX has been the more volatile fund at 20.9% annualized versus 16.8% for SCHD. Worst drawdown: SCHD -33.4% vs SFYX -39.6%.
Should I hold both SCHD and SFYX?
SCHD and SFYX have a monthly-return correlation of 0.83, 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 SFYX?
2.8% of SCHD's money is in holdings SFYX also owns. 1.9% of SFYX's is in holdings SCHD also owns. They hold 15 positions in common, counted across the 99 positions we hold weights for in SCHD and 492 in SFYX.
Which pays a higher dividend, SCHD or SFYX?
SCHD yields 3.00% while SFYX yields 1.39%, so SCHD currently pays the higher dividend yield.
Is SFYX better than SCHD?
SCHD led over 1Y and the full window. SFYX is less concentrated, with 10.3% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.