SCHD vs YFFI
Schwab US Dividend Equity ETF vs Indexperts Yield Focused Fixed Income ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | YFFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.50% | |
| AUM | $103.7B | $22M | |
| Dividend Yield | 3.31% | 5.17% | |
| Holdings | 104 | 79 | |
| YTD Return | +24.26% | +0.03% | |
| 1Y Return | +31.38% | +2.15% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 3.9% | |
| Max Drawdown | -33.4% | -4.3% | |
| Fund Family | Charles Schwab Asset Management | Indexperts | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Dec 31, 2024 |
SCHD vs YFFI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Indexperts Yield Focused Fixed Income ETF (YFFI) is a ETF from Indexperts. Over the past year SCHD returned +31.38% while YFFI returned +2.15%. Year to date, SCHD is up 24.26% versus a gain of 0.03% for YFFI.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.9% for YFFI. 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 -4.3% for YFFI. 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while YFFI charges 0.50%. On a $10,000 position that is $6 vs $50 annually, a gap of $44 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.17% for YFFI.
Holdings Overlap
SCHD and YFFI share 0 holdings out of 170 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or YFFI?
SCHD has an expense ratio of 0.06% while YFFI charges 0.50%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, SCHD or YFFI?
Over the past year SCHD returned +31.38% vs +2.15% for YFFI, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.39% vs +3.70% for YFFI. Past performance does not guarantee future results.
Which is riskier, SCHD or YFFI?
SCHD has been the more volatile fund at 13.6% annualized versus 3.9% for YFFI. Worst drawdown: SCHD -33.4% vs YFFI -4.3%.
Should I hold both SCHD and YFFI?
SCHD and YFFI have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and YFFI?
SCHD and YFFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 170 unique securities.
Which pays a higher dividend, SCHD or YFFI?
SCHD yields 3.31% while YFFI yields 5.17%, so YFFI currently pays the higher dividend yield.
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