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ACT vs. SCHD
Performance
Return for Risk
Drawdowns
Volatility
Dividends

ACT vs. SCHD

Last updated Jun 4, 2026

ACT (Enact Holdings, Inc.) is a stock, while SCHD (Schwab U.S. Dividend Equity ETF) is Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Over the past 3 years, ACT returned 21.16%/yr vs 15.09%/yr for SCHD. A 0.52 correlation means they provide meaningful diversification when combined.

Performance

ACT vs. SCHD - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Enact Holdings, Inc. (ACT) and Schwab U.S. Dividend Equity ETF (SCHD). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, ACT achieves a 3.44% return, which is significantly lower than SCHD's 19.01% return.

ACT

1D
-1.41%
1M
-3.77%
YTD
3.44%
6M
6.20%
1Y
18.80%
3Y*
21.16%
5Y*
—
10Y*
—

SCHD

1D
0.00%
1M
2.70%
YTD
19.01%
6M
18.63%
1Y
27.16%
3Y*
15.09%
5Y*
8.36%
10Y*
12.77%
*Multi-year figures are annualized to reflect compound growth (CAGR)

ACT vs. SCHD - Yearly Performance Comparison

2026 (YTD)20252024202320222021
ACT
Enact Holdings, Inc.		3.44%25.20%15.56%25.78%24.10%6.61%
SCHD
Schwab U.S. Dividend Equity ETF		19.01%4.34%11.66%4.54%-3.26%8.00%

Correlation

The correlation between ACT and SCHD is 0.34, which is low. Their price movements are largely independent, making them effective diversification partners.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.34

Correlation (3Y)
Calculated over the trailing 3-year period

0.49

Correlation (All Time)
Calculated using the full available price history since Sep 17, 2021

0.52

The correlation between ACT and SCHD shifts across timeframes, from 0.34 (1 year) to 0.52 (all time), reflecting how their relationship changes across market environments.

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.

Enact Holdings, Inc.

Schwab U.S. Dividend Equity ETF

Often compared with ACT:
ACT vs. ABRACT vs. SPYACT vs. VOOACT vs. CSWCACT vs. MO
Often compared with SCHD:
SCHD vs. VOOSCHD vs. VYMSCHD vs. SPYSCHD vs. SCHGSCHD vs. JEPISCHD vs. FDVVSCHD vs. VIG

Return for Risk

ACT vs. SCHD — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
ACT
ACT Risk / Return Rank: 6666
Overall Rank
ACT Sharpe Ratio Rank: 6767
Sharpe Ratio Rank
ACT Sortino Ratio Rank: 6262
Sortino Ratio Rank
ACT Omega Ratio Rank: 5959
Omega Ratio Rank
ACT Calmar Ratio Rank: 7171
Calmar Ratio Rank
ACT Martin Ratio Rank: 7171
Martin Ratio Rank
SCHD
SCHD Risk / Return Rank: 8080
Overall Rank
SCHD Sharpe Ratio Rank: 7575
Sharpe Ratio Rank
SCHD Sortino Ratio Rank: 8484
Sortino Ratio Rank
SCHD Omega Ratio Rank: 7373
Omega Ratio Rank
SCHD Calmar Ratio Rank: 9191
Calmar Ratio Rank
SCHD Martin Ratio Rank: 7575
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ACT vs. SCHD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Enact Holdings, Inc. (ACT) and Schwab U.S. Dividend Equity ETF (SCHD). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

ACTSCHDDifference
Sharpe ratioReturn per unit of total volatility
0.85
2.49

-1.65

Sortino ratioReturn per unit of downside risk
1.36
3.87

-2.51

Omega ratioGain probability vs. loss probability

1.16

1.45

-0.29

Calmar ratioReturn relative to maximum drawdown

1.72

5.91

-4.19

Martin ratioReturn relative to average drawdown

3.99

14.53

-10.53

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

ACT vs. SCHD - Sharpe Ratio Comparison

The current ACT Sharpe Ratio is 0.85, which is lower than the SCHD Sharpe Ratio of 2.49. The chart below compares the historical Sharpe Ratios of ACT and SCHD, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

ACTSCHDDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

0.85

2.49

-1.65

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

—

0.58

—

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

—

0.77

—

Sharpe Ratio (All Time)

Calculated using the full available price history

0.87

0.86

+0.01

Drawdowns

ACT vs. SCHD - Drawdown Comparison

The maximum ACT drawdown since its inception was -20.25%, smaller than the maximum SCHD drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for ACT and SCHD.

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Drawdown Indicators

ACTSCHDDifference

Max Drawdown

Largest peak-to-trough decline

-20.25%

-33.37%

+13.12%

Max Drawdown (1Y)

Largest decline over 1 year

-10.96%

-4.61%

-6.35%

Max Drawdown (3Y)

Largest decline over 3 years

-15.33%

-16.13%

+0.80%

Max Drawdown (5Y)

Largest decline over 5 years

—

-16.85%

—

Max Drawdown (10Y)

Largest decline over 10 years

—

-33.37%

—

Current Drawdown

Current decline from peak

-7.65%

-1.40%

-6.25%

Average Drawdown

Average peak-to-trough decline

-5.17%

-3.32%

-1.85%

Ulcer Index

Depth and duration of drawdowns from previous peaks

4.72%

1.88%

+2.84%

Volatility

ACT vs. SCHD - Volatility Comparison

Enact Holdings, Inc. (ACT) has a higher volatility of 6.33% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 2.66%. This indicates that ACT's price experiences larger fluctuations and is considered to be riskier than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

ACTSCHDDifference

Volatility (1M)

Calculated over the trailing 1-month period

6.33%

2.66%

+3.67%

Volatility (6M)

Calculated over the trailing 6-month period

17.14%

7.66%

+9.48%

Volatility (1Y)

Calculated over the trailing 1-year period

22.34%

10.96%

+11.38%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

24.75%

14.38%

+10.37%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

24.75%

16.72%

+8.03%

Dividends

ACT vs. SCHD - Dividend Comparison

ACT's dividend yield for the trailing twelve months is around 2.14%, less than SCHD's 3.26% yield.

PositionTTM20252024202320222021202020192018201720162015
ACT
Enact Holdings, Inc.		2.14%2.06%2.92%4.60%6.38%5.95%0.00%0.00%0.00%0.00%0.00%0.00%
SCHD
Schwab U.S. Dividend Equity ETF		3.26%3.82%3.64%3.49%3.39%2.78%3.16%2.98%3.06%2.63%2.89%2.97%

Frequently Asked Questions

ACT and SCHD have a correlation of 0.34, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

ACT has higher volatility (6.33%) compared to SCHD (2.66%). In terms of maximum drawdown, ACT dropped -20.25% vs SCHD's -33.37%.

SCHD currently has the higher Sharpe Ratio (2.49 vs 0.85), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.

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