DYFI vs SCHD
IDX Dynamic Fixed Income ETF vs Schwab US Dividend Equity ETF
Which is better, DYFI or SCHD?
Long Term Bond against Large Cap Value.
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 | DYFI | SCHD |
|---|---|---|
| Expense Ratio | 1.12% | 0.06%Best |
| AUM | $64M | $111.6B |
| Dividend Yield | 4.62% | 3.24% |
| Holdings | 19 | 206 |
| YTD Return | -1.04% | +24.55%Best |
| 1Y Return | -0.12% | +29.85%Best |
| 3Y Return (annualized) | - | +16.64% |
| 5Y Return (annualized) | - | +9.54% |
| Volatility (annualized) | 3.0%Best | 13.4% |
| Max Drawdown | -4.5%Best | -16.1% |
| $10,000 over 2.8 years | $10,166 | $14,703Best |
| Top 10 Weight | - | 41.6% |
| Fund Family | IDX Funds | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Long Term Bond | Large Cap Value |
| Inception | Jan 10, 2024 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 2.8 years row, are measured over the window both funds cover: Jan 10, 2024 to Oct 14, 2026 (2.8 years).
DYFI vs SCHD 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
DYFI vs SCHD Performance
IDX Dynamic Fixed Income ETF (DYFI) is an ETF from IDX Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year DYFI returned -0.12% while SCHD returned +29.85%. Year to date, DYFI is down 1.04% versus a gain of 24.55% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.4% compared with 3.0% for DYFI. 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 -4.5% for DYFI and -16.1% for SCHD. 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
DYFI charges 1.12% per year while SCHD charges 0.06%. On a $10,000 position that is $112 vs $6 annually, a gap of $106 per year that compounds over a long holding period. On income, DYFI currently yields 4.62% against 3.24% for SCHD.
Holdings Overlap
We hold position weights for 8 holdings in DYFI and 98 in SCHD, totalling 100.0% and 99.8% 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 8 positions we hold weights for in DYFI and 98 in SCHD, against full books of 19 and 206.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for DYFI (99.8% of the fund), and 8 for DYFI that do not appear in SCHD (100.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of DYFI and SCHD 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, DYFI or SCHD?
DYFI has an expense ratio of 1.12% while SCHD charges 0.06%. SCHD is the cheaper option, by $106 a year on a $10,000 investment.
Which performed better, DYFI or SCHD?
Over the past year DYFI returned -0.12% vs +29.85% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DYFI or SCHD?
SCHD has been the more volatile fund at 13.4% annualized versus 3.0% for DYFI. Worst drawdown: DYFI -4.5% vs SCHD -16.1%.
Should I hold both DYFI and SCHD?
DYFI and SCHD 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, DYFI or SCHD?
DYFI yields 4.62% while SCHD yields 3.24%, so DYFI currently pays the higher dividend yield.
Is SCHD better than DYFI?
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.