FINS vs SCHZ
Angel Oak Financial Strategies Income Term Trust vs Schwab US Aggregate Bond ETF
Which is better, FINS or SCHZ?
Each has led over a different period.
FINS led over 1Y, 3Y and 5Y, SCHZ over 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 | FINS | SCHZ |
|---|---|---|
| Expense Ratio | - | 0.03% |
| AUM | $434M | $10.6B |
| Dividend Yield | 10.60% | 4.33% |
| Holdings | 242 | 24,843 |
| YTD Return | -2.43% | -2.13%Best |
| 1Y Return | +0.95%Best | -1.99% |
| 3Y Return (annualized) | +10.09%Best | +4.41% |
| 5Y Return (annualized) | +2.59%Best | -0.63% |
| Volatility (annualized) | 10.6% | 5.9%Best |
| Max Drawdown | -41.5% | -19.7%Best |
| $10,000 over 5 years | $11,364Best | $9,689 |
| Fund Family | Angel Oak Capital Advisors | Charles Schwab Asset Management |
| Category | Fixed Income | Fixed Income |
| Inception | May 29, 2019 | Jul 14, 2011 |
Not shown on this pair: Top 10 Weight, Style.
Volatility and max drawdown are measured over the window both funds cover: May 29, 2019 to Oct 14, 2026 (7.4 years).
FINS vs SCHZ 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 7.4 years both funds cover.
FINS vs SCHZ Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is an ETF from Angel Oak Capital Advisors and Schwab US Aggregate Bond ETF (SCHZ) is an ETF from Charles Schwab Asset Management. Over the past year FINS returned +0.95% while SCHZ returned -1.99%. Year to date, FINS is down 2.43% versus a loss of 2.13% for SCHZ.
Over three years, FINS compounded at +10.09% per year against +4.41% for SCHZ; over five years the annualized figures are +2.59% and -0.63% respectively. Across the full 7-year window we track, SCHZ has the edge at +0.32% annualized vs +0.12%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FINS has been the more volatile fund, with annualized monthly volatility of 10.6% compared with 5.9% for SCHZ. 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 -41.5% for FINS and -19.7% for SCHZ. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.38. They move together some of the time, and apart the rest.
Holdings Overlap
We hold position weights for 63 holdings in FINS and 10,307 in SCHZ, totalling 37.4% and 61.5% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 19 positions appear in both.
The two holdings books were reported 64 days apart, FINS as of Jul 31, 2026 and SCHZ as of Oct 3, 2026, so some of the difference between them is the time between the two reports rather than the funds.
19 positions in common, counted across the 63 positions we hold weights for in FINS and 10,307 in SCHZ, against full books of 242 and 24,843.
Top Shared Holdings
| Stock | Weight in FINS | Weight in SCHZ | Difference |
|---|---|---|---|
| HBAN V5.709 02/02/35Huntington Bancshares Inc/Oh 5.709%/Var 02/02/2035 | 2.01% | 0.00% | 2.01% |
| USB V5.046 02/12/31Us Bancorp Mtn 5.05% Feb 12, 2031 | 1.67% | 0.00% | 1.67% |
| MS V5.587 01/18/36Morgan Stanley Callable Notes Variable 18/Jan/2036 5.587% 01/18/2036 | 1.45% | 0.01% | 1.44% |
| MTB V7.413 10/30/29M&T Bank Corp | 1.40% | 0.01% | 1.39% |
| FITB V4.895 09/06/30Fifth Third Bancorp Sr Unsecured 09/30 Var % | 1.33% | 0.00% | 1.33% |
| BAC V5.015 07/22/33 | 1.32% | 0.01% | 1.31% |
| WTFC 4.85 06/06/29Wintrust Financial Corporation 4.85% Jun 06, 2029 | 1.10% | 0.00% | 1.10% |
| KEY V4.789 06/01/33 | 1.08% | 0.00% | 1.08% |
| JPM V6.254 10/23/34Jpmorgan Chase + Co Sr Unsecured 10/34 Var 6.254 10/23/2034 | 0.93% | 0.01% | 0.92% |
| KEY V6.401 03/06/35Keycorp V/R 03/06/35 | 0.93% | 0.00% | 0.93% |
You are not choosing between two funds in isolation.
Whichever of FINS and SCHZ 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 performed better, FINS or SCHZ?
Over the past year FINS returned +0.95% vs -1.99% for SCHZ, so FINS leads on 1-year performance. Over the longest common window we track (7 years), FINS annualized +0.12% vs +0.32% for SCHZ. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FINS or SCHZ?
FINS has been the more volatile fund at 10.6% annualized versus 5.9% for SCHZ. Worst drawdown: FINS -41.5% vs SCHZ -19.7%.
Should I hold both FINS and SCHZ?
FINS and SCHZ have a monthly-return correlation of 0.38, 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, FINS or SCHZ?
FINS yields 10.60% while SCHZ yields 4.33%, so FINS currently pays the higher dividend yield.
Is SCHZ better than FINS?
FINS led over 1Y, 3Y and 5Y, SCHZ over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.