SCHD vs SOFR
SCHD vs SOFR
Schwab US Dividend Equity ETF vs Amplify Samsung SOFR ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | SOFR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.20% | |
| AUM | $103.7B | $453M | |
| Dividend Yield | 3.31% | 4.20% | |
| Holdings | 104 | 6 | |
| YTD Return | +24.26% | +2.12% | |
| 1Y Return | +31.38% | +3.82% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 0.4% | |
| Max Drawdown | -33.4% | -0.4% | |
| Fund Family | Charles Schwab Asset Management | Amplify ETFs | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Nov 15, 2023 |
SCHD vs SOFR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Amplify Samsung SOFR ETF (SOFR) is a ETF from Amplify ETFs. Over the past year SCHD returned +31.38% while SOFR returned +3.82%. Year to date, SCHD is up 24.26% versus a gain of 2.12% for SOFR.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 0.4% for SOFR. 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 -0.4% for SOFR. 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 0.20. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SOFR charges 0.20%. On a $10,000 position that is $6 vs $20 annually, a gap of $14 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 4.20% for SOFR.
Holdings Overlap
SCHD and SOFR share 0 holdings out of 101 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or SOFR?
SCHD has an expense ratio of 0.06% while SOFR charges 0.20%. SCHD is the cheaper option. On a $10,000 investment, that is $14 per year of difference.
Which performed better, SCHD or SOFR?
Over the past year SCHD returned +31.38% vs +3.82% for SOFR, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +4.53% for SOFR. Past performance does not guarantee future results.
Which is riskier, SCHD or SOFR?
SCHD has been the more volatile fund at 13.6% annualized versus 0.4% for SOFR. Worst drawdown: SCHD -33.4% vs SOFR -0.4%.
Should I hold both SCHD and SOFR?
SCHD and SOFR have a monthly-return correlation of 0.20, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SOFR?
SCHD and SOFR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or SOFR?
SCHD yields 3.31% while SOFR yields 4.20%, so SOFR currently pays the higher dividend yield.
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