SCHD vs XFLX
Schwab US Dividend Equity ETF vs FundX Flexible ETF
Which is better, SCHD or XFLX?
Large Cap Value against Intermediate Term Bond.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y 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 | XFLX |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.97% |
| AUM | $112.1B | $50M |
| Dividend Yield | 3.00% | 9.64% |
| Holdings | 103 | 14 |
| YTD Return | +25.07%Best | +1.04% |
| 1Y Return | +27.61%Best | +1.69% |
| 3Y Return (annualized) | +15.74%Best | +3.99% |
| 5Y Return (annualized) | +9.89% | - |
| Volatility (annualized) | 13.0% | 3.9%Best |
| Max Drawdown | -16.1% | -6.5%Best |
| $10,000 over 2.9 years | $16,030Best | $11,201 |
| Fund Family | Charles Schwab Asset Management | Fund X |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Intermediate Term Bond |
| Inception | Oct 20, 2011 | Jul 1, 2002 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Oct 9, 2023 to Sep 11, 2026 (2.9 years).
SCHD vs XFLX 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 XFLX Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and FundX Flexible ETF (XFLX) is an ETF from Fund X. Over the past year SCHD returned +27.61% while XFLX returned +1.69%. Year to date, SCHD is up 25.07% versus a gain of 1.04% for XFLX.
Over three years, SCHD compounded at +15.74% per year against +3.99% for XFLX.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.0% compared with 3.9% for XFLX. 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 -6.5% for XFLX. 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 XFLX charges 0.97%. On a $10,000 position that is $6 vs $97 annually, a gap of $91 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 9.64% for XFLX.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 1 in XFLX, totalling 100.0% and 98.8% 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 100 positions we hold weights for in SCHD and 1 in XFLX, against full books of 103 and 14.
You are not choosing between two funds in isolation.
Whichever of SCHD and XFLX 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 XFLX?
SCHD has an expense ratio of 0.06% while XFLX charges 0.97%. SCHD is the cheaper option, by $91 a year on a $10,000 investment.
Which performed better, SCHD or XFLX?
Over the past year SCHD returned +27.61% vs +1.69% for XFLX, 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 XFLX?
SCHD has been the more volatile fund at 13.0% annualized versus 3.9% for XFLX. Worst drawdown: SCHD -16.1% vs XFLX -6.5%.
Should I hold both SCHD and XFLX?
SCHD and XFLX 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.
Which pays a higher dividend, SCHD or XFLX?
SCHD yields 3.00% while XFLX yields 9.64%, so XFLX currently pays the higher dividend yield.
Is XFLX better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.