SCHD vs VFLO
Schwab US Dividend Equity ETF vs VictoryShares Free Cash Flow ETF
Quick Verdict
SCHD has a lower expense ratio. VFLO delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | VFLO | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.39% | |
| AUM | $103.7B | $8.6B | |
| Dividend Yield | 3.31% | 1.10% | |
| Holdings | 104 | 51 | |
| YTD Return | +24.26% | +31.06% | |
| 1Y Return | +31.38% | +51.51% | |
| 3Y Return (annualized) | +15.08% | +26.14% | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 15.3% | |
| Max Drawdown | -33.4% | -17.8% | |
| Fund Family | Charles Schwab Asset Management | Victory Capital Management Inc. | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jun 21, 2023 |
SCHD vs VFLO Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and VictoryShares Free Cash Flow ETF (VFLO) is a ETF from Victory Capital Management Inc.. Over the past year SCHD returned +31.38% while VFLO returned +51.51%. Year to date, SCHD is up 24.26% versus a gain of 31.06% for VFLO.
Over three years, SCHD compounded at +15.08% per year against +26.14% for VFLO. Across the full 3-year window we track, VFLO has the edge at +27.84% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VFLO has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.6% 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 -33.4% for SCHD and -17.8% for VFLO. 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while VFLO 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 3.31% against 1.10% for VFLO.
Holdings Overlap
SCHD and VFLO share 8 holdings out of 142 unique holdings combined, representing a 13.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or VFLO?
SCHD has an expense ratio of 0.06% while VFLO charges 0.39%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, SCHD or VFLO?
Over the past year SCHD returned +31.38% vs +51.51% for VFLO, so VFLO leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +27.84% for VFLO. Past performance does not guarantee future results.
Which is riskier, SCHD or VFLO?
VFLO has been the more volatile fund at 15.3% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs VFLO -17.8%.
Should I hold both SCHD and VFLO?
SCHD and VFLO have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and VFLO?
SCHD and VFLO share 8 common holdings with a 13.6% weight overlap. Combined, they hold 142 unique securities.
Which pays a higher dividend, SCHD or VFLO?
SCHD yields 3.31% while VFLO yields 1.10%, so SCHD currently pays the higher dividend yield.
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