SCHD vs SSFI
Schwab US Dividend Equity ETF vs Day Hagan Smart Sector Fixed Income ETF
Which is better, SCHD or SSFI?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
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 | SSFI |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.75% |
| AUM | $108.9B | $28M |
| Dividend Yield | 3.00% | 3.65% |
| Holdings | 206 | 17 |
| YTD Return | +20.89%Best | -3.19% |
| 1Y Return | +23.87%Best | -2.82% |
| 3Y Return (annualized) | +16.42%Best | +3.77% |
| 5Y Return (annualized) | +9.40%Best | -0.95% |
| Volatility (annualized) | 15.0% | 6.1%Best |
| Max Drawdown | -16.9% | -16.1%Best |
| $10,000 over 5 years | $15,671Best | $9,534 |
| Top 10 Weight | 41.8% | - |
| Fund Family | Charles Schwab Asset Management | Day Hagan Funds |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | - |
| Inception | Oct 20, 2011 | Sep 28, 2021 |
Volatility and max drawdown are measured over the window both funds cover: Sep 29, 2021 to Oct 2, 2026 (5 years).
SCHD vs SSFI 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 5 years both funds cover.
SCHD vs SSFI Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Day Hagan Smart Sector Fixed Income ETF (SSFI) is an ETF from Day Hagan Funds. Over the past year SCHD returned +23.87% while SSFI returned -2.82%. Year to date, SCHD is up 20.89% versus a loss of 3.19% for SSFI.
Over three years, SCHD compounded at +16.42% per year against +3.77% for SSFI; over five years the annualized figures are +9.40% and -0.95% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 15.0% compared with 6.1% for SSFI. 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 -16.9% for SCHD and -16.1% for SSFI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.59. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while SSFI 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 3.00% against 3.65% for SSFI.
Holdings Overlap
We hold position weights for 99 holdings in SCHD and 9 in SSFI, totalling 100.0% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 99 positions we hold weights for in SCHD and 9 in SSFI, against full books of 206 and 17.
What only one of them owns
Our book lists 9 positions for SSFI that do not appear in our book for SCHD (100.0% of the fund), and 98 for SCHD that do not appear in SSFI (99.9%).
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 SSFI 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 SSFI?
SCHD has an expense ratio of 0.06% while SSFI charges 0.75%. SCHD is the cheaper option, by $69 a year on a $10,000 investment.
Which performed better, SCHD or SSFI?
Over the past year SCHD returned +23.87% vs -2.82% for SSFI, 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 SSFI?
SCHD has been the more volatile fund at 15.0% annualized versus 6.1% for SSFI. Worst drawdown: SCHD -16.9% vs SSFI -16.1%.
Should I hold both SCHD and SSFI?
SCHD and SSFI have a monthly-return correlation of 0.59, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or SSFI?
SCHD yields 3.00% while SSFI yields 3.65%, so SSFI currently pays the higher dividend yield.
Is SSFI better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.