SCHD vs SOVF
Schwab US Dividend Equity ETF vs Sovereigns Capital Flourish Fund
Which is better, SCHD or SOVF?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SOVF is less concentrated, with 35.4% of the fund in its ten largest positions against 41.5%.
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 | SOVF |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.75% |
| AUM | $112.2B | $91M |
| Dividend Yield | 3.13% | 0.73% |
| Holdings | 103 | 79 |
| YTD Return | +27.56%Best | +10.15% |
| 1Y Return | +30.29%Best | +4.61% |
| 3Y Return (annualized) | +16.37%Best | +10.21% |
| 5Y Return (annualized) | +10.23% | - |
| Volatility (annualized) | 12.9%Best | 16.6% |
| Max Drawdown | -16.1%Best | -21.7% |
| $10,000 over 2.9 years | $16,585Best | $13,257 |
| Top 10 Weight | 41.5% | 35.4%Best |
| Fund Family | Charles Schwab Asset Management | Sovereign's Capital |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Oct 2, 2023 |
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Oct 3, 2023 to Sep 4, 2026 (2.9 years).
SCHD vs SOVF 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 covers the 2.9 years both funds cover.
SCHD vs SOVF Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Sovereigns Capital Flourish Fund (SOVF) is an ETF from Sovereign's Capital. Over the past year SCHD returned +30.29% while SOVF returned +4.61%. Year to date, SCHD is up 27.56% versus a gain of 10.15% for SOVF.
Over three years, SCHD compounded at +16.37% per year against +10.21% for SOVF.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SOVF has been the more volatile fund, with annualized monthly volatility of 16.6% compared with 12.9% 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 -16.1% for SCHD and -21.7% for SOVF. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while SOVF charges 0.75%. On a $10,000 position that is $6 vs $75 annually, a gap of $69 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.73% for SOVF.
Holdings Overlap
10.7% of SCHD's money is in holdings SOVF also owns. 12.5% of SOVF's money is in holdings SCHD also owns.
SOVF and SCHD share little of their money.
9 positions in common, counted across the 100 positions we hold weights for in SCHD and 80 in SOVF, against full books of 103 and 79.
What only one of them owns
Our book lists 68 positions for SOVF that do not appear in our book for SCHD (86.5% of the fund), and 90 for SCHD that do not appear in SOVF (89.2%).
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 SOVF | Difference |
|---|---|---|---|
| QCOMQualcomm Inc. | 2.55% | 3.69% | 1.14% |
| ADPAutomatic Data Processing, Inc. | 2.72% | 1.63% | 1.09% |
| UPSUnited Parcel Service, Inc | 1.95% | 2.03% | 0.08% |
| AFGAmerican Financial Group Inc/Oh | 0.25% | 2.39% | 2.14% |
| FASTFastenal Co. | 1.49% | 0.64% | 0.85% |
| NSPInsperity Inc | 0.05% | 1.42% | 1.37% |
| DVNDevon Energy Corporation | 1.24% | 0.08% | 1.16% |
| ERIEErie Indemnity Co | 0.16% | 0.52% | 0.36% |
| APAApa Corp | 0.33% | 0.09% | 0.24% |
You are not choosing between two funds in isolation.
Whichever of SCHD and SOVF 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 SOVF?
SCHD has an expense ratio of 0.06% while SOVF charges 0.75%. SCHD is the cheaper option, by $69 a year on a $10,000 investment.
Which performed better, SCHD or SOVF?
Over the past year SCHD returned +30.29% vs +4.61% for SOVF, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or SOVF?
SOVF has been the more volatile fund at 16.6% annualized versus 12.9% for SCHD. Worst drawdown: SCHD -16.1% vs SOVF -21.7%.
Should I hold both SCHD and SOVF?
SCHD and SOVF have a monthly-return correlation of 0.71, 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 SOVF?
12.5% of SOVF's money is in holdings SCHD also owns. 12.5% of SOVF's is in holdings SCHD also owns. They hold 9 positions in common, counted across the 100 positions we hold weights for in SCHD and 80 in SOVF.
Which pays a higher dividend, SCHD or SOVF?
SCHD yields 3.13% while SOVF yields 0.73%, so SCHD currently pays the higher dividend yield.
Is SOVF better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SOVF is less concentrated, with 35.4% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.