UDI vs SCHD

AUDI

BSCHD

Measures won3–2UDI wins · of 6 · 5Y

$10,000 · 5Y$17,177VOO · SCHD $16,267

Lowest cost0.03%VOO · $3 on $10k

Most income3.00%SCHD · $300 on $10k

Smallest drop−6.5%UDI · worst fall in 1Y

Held in common12.5%UDI and SCHD

UDI

SCHD

USCF Dividend Income ETF · $3MSchwab U.S. Dividend Equity ETF · $120B

+20.9%3 years · per year$17,656 · $17,266+20.0%

[…]5 years · per year[…] · $16,267+10.2%

0.65%Expense ratio$65 · $6 on $10k · lower wins0.06%

2.62%12-mo yield$262 · $300 on $10k3.00%

−6.5%Worst dropSmaller wins−6.9%

10.2%VolatilityLower wins11.7%

3–2UDI wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsUDI · SCHD

2.7%VZ3.6%

2.6%HD4.3%

2.4%KO4.3%

2.1%TXN4.3%

Held in common12.5%

End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
2	BSCHD	Schwab U.S. Dividend Equity ETFRead Desk	0.06%	3.00%	−0.7%	+31.4%	+37.0%	+20.0%	+10.2%	−6.9%	$119.9B
3	AUDI	USCF Dividend Income ETFRead Desk	0.65%	2.62%	−0.5%	+17.0%	+23.7%	+20.9%	new	−6.5%	$3M

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
2	BSCHD	Schwab U.S. Dividend Equity ETFRead Desk	0.06%	3.00%	−0.7%	+31.4%	+37.0%	+20.0%	+10.2%	−6.9%	$119.9B
3	AUDI	USCF Dividend Income ETFRead Desk	0.65%	2.62%	−0.5%	+17.0%	+23.7%	+20.9%	new	−6.5%	$3M

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

UDI vs SCHD

UDI

USCF Dividend Income

[…]

SCHD

Schwab U.S. Dividend Equity

$16,267

MeasureUDISCHD

Fee0.65%0.06%

Cost on $10k a year$65$6

Yield2.62%3.00%

5 years, per year[…]+10.2%

3 years, per year+20.9%+20.0%

Worst drop · 1Y−6.5%−6.9%

Volatility · 1Y10.2%11.7%

3–2measures won
UDI first

12.5%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 6, 2026

Overlap: UDI, SCHD, VOO

Today

12.5%most shared, UDI and SCHD

UDISCHDVOO

UDI—12.5%6.2%

SCHD12.5%—7.6%

VOO6.2%7.6%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$294most kept, SCHD

SCHD$300 − $6 = $294

UDI$262 − $65 = $197

VOO$110 − $3 = $107

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee