CAIFX vs. SCHD
Compare and contrast key facts about American Funds Capital Income Builder Fund Class F-2 (CAIFX) and Schwab U.S. Dividend Equity ETF (SCHD).
CAIFX is an actively managed fund by American Funds. It was launched on Jul 30, 1987. SCHD is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Dividend 100 Index. It was launched on Oct 20, 2011.
Performance
CAIFX vs. SCHD - Performance Comparison
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CAIFX vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CAIFX American Funds Capital Income Builder Fund Class F-2 | 1.69% | 20.63% | 10.47% | 9.21% | -6.95% | 15.26% | 3.41% | 17.49% | -7.10% | 14.19% |
SCHD Schwab U.S. Dividend Equity ETF | 12.17% | 4.34% | 11.66% | 4.54% | -3.26% | 29.87% | 15.03% | 27.29% | -5.56% | 20.85% |
Returns By Period
In the year-to-date period, CAIFX achieves a 1.69% return, which is significantly lower than SCHD's 12.17% return. Over the past 10 years, CAIFX has underperformed SCHD with an annualized return of 7.76%, while SCHD has yielded a comparatively higher 12.25% annualized return.
CAIFX
- 1D
- 1.49%
- 1M
- -4.13%
- YTD
- 1.69%
- 6M
- 4.35%
- 1Y
- 16.43%
- 3Y*
- 13.17%
- 5Y*
- 8.45%
- 10Y*
- 7.76%
SCHD
- 1D
- -0.55%
- 1M
- -3.43%
- YTD
- 12.17%
- 6M
- 12.91%
- 1Y
- 13.70%
- 3Y*
- 11.84%
- 5Y*
- 8.32%
- 10Y*
- 12.25%
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CAIFX vs. SCHD - Expense Ratio Comparison
CAIFX has a 0.37% expense ratio, which is higher than SCHD's 0.06% expense ratio.
Return for Risk
CAIFX vs. SCHD — Risk / Return Rank
CAIFX
SCHD
CAIFX vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds Capital Income Builder Fund Class F-2 (CAIFX) 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.
| CAIFX | SCHD | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.64 | 0.88 | +0.77 |
Sortino ratioReturn per unit of downside risk | 2.23 | 1.32 | +0.91 |
Omega ratioGain probability vs. loss probability | 1.34 | 1.19 | +0.15 |
Calmar ratioReturn relative to maximum drawdown | 2.04 | 1.05 | +0.99 |
Martin ratioReturn relative to average drawdown | 9.32 | 3.55 | +5.77 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| CAIFX | SCHD | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.64 | 0.88 | +0.77 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.85 | 0.58 | +0.27 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.72 | 0.74 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.52 | 0.84 | -0.31 |
Correlation
The correlation between CAIFX and SCHD is 0.84, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
CAIFX vs. SCHD - Dividend Comparison
CAIFX's dividend yield for the trailing twelve months is around 7.87%, more than SCHD's 3.46% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CAIFX American Funds Capital Income Builder Fund Class F-2 | 7.87% | 7.93% | 5.98% | 3.69% | 3.66% | 3.36% | 3.60% | 4.31% | 3.76% | 4.63% | 3.73% | 3.82% |
SCHD Schwab U.S. Dividend Equity ETF | 3.46% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
Drawdowns
CAIFX vs. SCHD - Drawdown Comparison
The maximum CAIFX drawdown since its inception was -36.83%, which is greater than SCHD's maximum drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for CAIFX and SCHD.
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Drawdown Indicators
| CAIFX | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -36.83% | -33.37% | -3.46% |
Max Drawdown (1Y)Largest decline over 1 year | -8.37% | -12.74% | +4.37% |
Max Drawdown (5Y)Largest decline over 5 years | -17.51% | -16.85% | -0.66% |
Max Drawdown (10Y)Largest decline over 10 years | -25.27% | -33.37% | +8.10% |
Current DrawdownCurrent decline from peak | -4.84% | -3.43% | -1.41% |
Average DrawdownAverage peak-to-trough decline | -4.74% | -3.34% | -1.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.83% | 3.75% | -1.92% |
Volatility
CAIFX vs. SCHD - Volatility Comparison
American Funds Capital Income Builder Fund Class F-2 (CAIFX) has a higher volatility of 3.72% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 2.33%. This indicates that CAIFX'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
| CAIFX | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.72% | 2.33% | +1.39% |
Volatility (6M)Calculated over the trailing 6-month period | 6.12% | 7.96% | -1.84% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.19% | 15.69% | -5.50% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.95% | 14.40% | -4.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.87% | 16.70% | -5.83% |