SCHD vs YFYA
Schwab US Dividend Equity ETF vs Yields for You Income Strategy A 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 | YFYA | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.25% | |
| AUM | $103.7B | $22M | |
| Dividend Yield | 3.31% | 5.18% | |
| Holdings | 104 | 10 | |
| YTD Return | +25.33% | +2.26% | |
| 1Y Return | +32.31% | +4.31% | |
| 3Y Return (annualized) | +15.40% | - | |
| 5Y Return (annualized) | +9.70% | - | |
| Volatility (annualized) | 13.6% | 1.8% | |
| Max Drawdown | -33.4% | -2.3% | |
| Fund Family | Charles Schwab Asset Management | Teucrium | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Jan 31, 2025 |
SCHD vs YFYA Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Yields for You Income Strategy A ETF (YFYA) is a ETF from Teucrium. Over the past year SCHD returned +32.31% while YFYA returned +4.31%. Year to date, SCHD is up 25.33% versus a gain of 2.26% for YFYA.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.8% for YFYA. 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 -2.3% for YFYA. 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while YFYA charges 1.25%. On a $10,000 position that is $6 vs $125 annually, a gap of $119 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.18% for YFYA.
Holdings Overlap
SCHD and YFYA share 0 holdings out of 108 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 YFYA?
SCHD has an expense ratio of 0.06% while YFYA charges 1.25%. SCHD is the cheaper option. On a $10,000 investment, that is $119 per year of difference.
Which performed better, SCHD or YFYA?
Over the past year SCHD returned +32.31% vs +4.31% for YFYA, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.45% vs +3.52% for YFYA. Past performance does not guarantee future results.
Which is riskier, SCHD or YFYA?
SCHD has been the more volatile fund at 13.6% annualized versus 1.8% for YFYA. Worst drawdown: SCHD -33.4% vs YFYA -2.3%.
Should I hold both SCHD and YFYA?
SCHD and YFYA have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and YFYA?
SCHD and YFYA share 0 common holdings with a 0.0% weight overlap. Combined, they hold 108 unique securities.
Which pays a higher dividend, SCHD or YFYA?
SCHD yields 3.31% while YFYA yields 5.18%, so YFYA currently pays the higher dividend yield.
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