SCHD vs USFI
Schwab US Dividend Equity ETF vs BrandywineGLOBAL - US Fixed Income ETF
Which is better, SCHD or USFI?
Large Cap Value against Investment Grade Bond.
SCHD has a lower expense ratio. SCHD led over 1Y 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 | USFI |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.39% |
| AUM | $119.9B | $10M |
| Dividend Yield | 2.96% | 4.43% |
| Holdings | 204 | 168 |
| Volatility (annualized) | 14.2% | 7.1%Best |
| Max Drawdown | -16.1% | -8.5%Best |
| $10,000 over 3.3 years | $15,887Best | $11,174 |
| Fund Family | Charles Schwab Asset Management | Franklin Templeton Investments (US) |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Investment Grade Bond |
| Inception | Oct 20, 2011 | Jul 25, 2023 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 15 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. SCHD has data through Nov 11, 2026 and USFI through Oct 27, 2026.
Volatility and max drawdown, and the $10,000 over 3.3 years row, are measured over the window both funds cover: Jul 27, 2023 to Oct 27, 2026 (3.3 years).
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 7.1% for USFI. 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 -8.5% for USFI. 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 USFI charges 0.39%. On a $10,000 position that is $6 vs $39 annually, a gap of $33 per year that compounds over a long holding period. On income, SCHD currently yields 2.96% against 4.43% for USFI.
Holdings Overlap
We hold position weights for 98 holdings in SCHD and 38 in USFI, totalling 99.8% and 38.0% 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 98 positions we hold weights for in SCHD and 38 in USFI, against full books of 204 and 168.
You are not choosing between two funds in isolation.
Whichever of SCHD and USFI 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 USFI?
SCHD has an expense ratio of 0.06% while USFI charges 0.39%. SCHD is the cheaper option, by $33 a year on a $10,000 investment.
Which is riskier, SCHD or USFI?
SCHD has been the more volatile fund at 14.2% annualized versus 7.1% for USFI. Worst drawdown: SCHD -16.1% vs USFI -8.5%.
Should I hold both SCHD and USFI?
SCHD and USFI 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 USFI?
SCHD yields 2.96% while USFI yields 4.43%, so USFI currently pays the higher dividend yield.
Is USFI better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.