SCHD vs SGLC
Schwab US Dividend Equity ETF vs SGI US Large Cap Core ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SGLC offers more diversification with 162 holdings.
Side-by-Side Comparison
| Metric | SCHD | SGLC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.85% | |
| AUM | $112.2B | $213M | |
| Dividend Yield | 3.13% | 0.20% | |
| Holdings | 103 | 162 | |
| YTD Return | +27.89% | +17.70% | |
| 1Y Return | +29.93% | +28.09% | |
| 3Y Return (annualized) | +16.13% | +21.21% | |
| 5Y Return (annualized) | +10.00% | - | |
| Volatility (annualized) | 13.6% | 13.2% | |
| Max Drawdown | -33.4% | -20.2% | |
| Fund Family | Charles Schwab Asset Management | Summit Global Investments | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Mar 31, 2023 |
SCHD vs SGLC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and SGI US Large Cap Core ETF (SGLC) is a ETF from Summit Global Investments. Over the past year SCHD returned +29.93% while SGLC returned +28.09%. Year to date, SCHD is up 27.89% versus a gain of 17.70% for SGLC.
Over three years, SCHD compounded at +16.13% per year against +21.21% for SGLC. Across the full 3-year window we track, SGLC has the edge at +22.13% annualized vs +11.56%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.2% for SGLC. 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 -20.2% for SGLC. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SGLC charges 0.85%. On a $10,000 position that is $6 vs $85 annually, a gap of $79 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.20% for SGLC.
Holdings Overlap
SCHD and SGLC share 12 holdings out of 226 unique holdings combined, representing a 5.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or SGLC?
SCHD has an expense ratio of 0.06% while SGLC charges 0.85%. SCHD is the cheaper option. On a $10,000 investment, that is $79 per year of difference.
Which performed better, SCHD or SGLC?
Over the past year SCHD returned +29.93% vs +28.09% for SGLC, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.56% vs +22.13% for SGLC. Past performance does not guarantee future results.
Which is riskier, SCHD or SGLC?
SCHD has been the more volatile fund at 13.6% annualized versus 13.2% for SGLC. Worst drawdown: SCHD -33.4% vs SGLC -20.2%.
Should I hold both SCHD and SGLC?
SCHD and SGLC have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SGLC?
SCHD and SGLC share 12 common holdings with a 5.1% weight overlap. Combined, they hold 226 unique securities.
Which pays a higher dividend, SCHD or SGLC?
SCHD yields 3.13% while SGLC yields 0.20%, so SCHD currently pays the higher dividend yield.
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