Which returned more over the last year, DFCF or SCHZ?

In the year to Oct 9, 2026, with distributions reinvested, DFCF returned −1.8% and SCHZ −1.5%.

Which is cheaper, DFCF or SCHZ?

SCHZ is cheaper, by 0.14 percentage points a year. That is about $14 on $10,000 held for a year. Fees come from each fund's prospectus.

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DFCF vs SCHZ: Differences, Returns & Fees

DFCF's duration was 5.8 years on Jul 31, 2026 and SCHZ's 5.8 on Jun 30, 2026; SCHZ charges 0.03% to DFCF's 0.17%. Net assets: $11.0bn on Jul 31, 2026 for Dimensional Core Fixed Income ETF, and $10.6bn on Jun 30, 2026 for Schwab U.S. Aggregate Bond ETF.

SCHZ costs 0.14 points a year less; their one-year returns differ by 0.3 points.

	DFCF	SCHZ
Expense ratio	0.17%	0.03%
Net assets, DFCF as of Jul 31, 2026 and SCHZ as of Jun 30, 2026	$11.0bn	$10.6bn
Total return, 1 year	−1.8%	−1.5%
What it tracks	No index, actively managed	Bloomberg US Aggregate Bond Index
Holdings in common	15%
Below its high	4.4%, high on Feb 27, 2026	5.0%, high on Aug 4, 2020

Holdings in common uses holdings dated Jun 30, 2026 and Jul 31, 2026.

−1.8%

DFCF total return, 1 year

−1.5%

SCHZ total return, 1 year

0.17%

DFCF expense ratio

0.03%

SCHZ expense ratio

What they hold in common

By the books each fund has filed, DFCF and SCHZ hold 15% of their money in the same securities at the same weight. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026 and Jul 31, 2026.

50%

half

15% in common

Positions both hold, largest shared weight first

Holding DFCF SCHZ

U S TREASURY NOTE, due Nov 15, 2033 0.65% 0.36%

U S TREASURY NOTE, due Jan 31, 2028 0.39% 0.35%

U S TREASURY NOTE, due Aug 15, 2033 0.65% 0.33%

U S TREASURY NOTE, due May 15, 2033 0.61% 0.31%

U S TREASURY NOTE, due Nov 15, 2032 0.89% 0.31%

U S TREASURY NOTE, due Nov 15, 2031 0.72% 0.30%

U S TREASURY NOTE, due Aug 15, 2031 0.53% 0.30%

U S TREASURY NOTE, due May 15, 2032 0.75% 0.29%

U S TREASURY NOTE, due Feb 15, 2033 0.87% 0.29%

U S TREASURY NOTE, due Feb 15, 2032 0.91% 0.28%

U S TREASURY NOTE, due Aug 15, 2032 0.76% 0.27%

U S TREASURY NOTE, due May 31, 2028 0.27% 0.28%

Only in DFCF

FEDERAL NATIONAL MORTGAGE ASSOCIATION, due Aug 25, 2056 6.19%

The DFA Short Term Investment Fund 6.07%

FEDERAL NATIONAL MORTGAGE ASSOCIATION, due Aug 25, 2056 5.34%

U S TREASURY NOTE, due Jan 31, 2028 4.70%

FEDERAL NATIONAL MORTGAGE ASSOCIATION, due Aug 25, 2056 4.10%

U S TREASURY NOTE, due Oct 31, 2027 3.07%

GOVERNMENT NATIONAL MORTGAGE ASSOCIATION, due Aug 20, 2056 3.00%

U S TREASURY NOTE, due Apr 30, 2027 2.94%

Only in SCHZ

U.S. Treasury Notes, due Feb 15, 2036 0.39%

U.S. Treasury Notes, due Feb 15, 2035 0.39%

U.S. Treasury Notes, due Nov 15, 2034 0.37%

U.S. Treasury Notes, due May 15, 2035 0.37%

U.S. Treasury Notes, due May 15, 2034 0.37%

U.S. Treasury Notes, due Aug 15, 2034 0.36%

U.S. Treasury Notes, due Feb 15, 2031 0.30%

U.S. Treasury Notes, due Nov 15, 2030 0.30%

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On the same fields

DFCF

Dimensional Core Fixed Income ETF

SCHZ

Schwab U.S. Aggregate Bond ETF

Where it sits Bond ETF Bond ETF

Issuer Dimensional Schwab

What it is Actively managed Tracks an index

Total return, 1 year −1.8% −1.5%

S&P 500 over the same days +17.3% +17.3%

Gap to the S&P 500 −19.0 pts −18.8 pts

Expense ratio 0.17% 0.03%

Holdings 1771 12326

Net assets, DFCF as of Jul 31, 2026 and SCHZ as of Jun 30, 2026 $11.0bn $10.6bn

DFCF and SCHZ on the fields both publish, as of Oct 9, 2026. Source: ETFIQ.

DFCF in plain words

DFCF is actively managed and tracks no index. The prospectus expense ratio is 0.17% a year. It sat 4.4% below its high of Feb 27, 2026 on Oct 9, 2026.

Over the year to Oct 9, 2026 it returned −1.8% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg U.S. Aggregate Bond Index.

SCHZ in plain words

SCHZ tracks an index. The prospectus expense ratio is 0.03% a year. It sat 5.0% below its high of Aug 4, 2020 on Oct 9, 2026.

Over the year to Oct 9, 2026 it returned −1.5% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg US Aggregate Bond Index.

Questions people ask

Which returned more over the last year, DFCF or SCHZ?: In the year to Oct 9, 2026, with distributions reinvested, DFCF returned −1.8% and SCHZ −1.5%.
Which is cheaper, DFCF or SCHZ?: SCHZ is cheaper, by 0.14 percentage points a year. That is about $14 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

DFCF vs SCCR AGG vs DFCF DFCF vs SPAB DFCF vs JBND SCHZ vs TAGG SCHZ vs UITB SCHZ vs UNIY SCHZ vs SPAB

DFCF on its own →SCHZ on its own →Hold both: look the portfolio through →Rankings →Standards and sources →

Where these figures came from

DFCF filings on SEC EDGAR ↗DFCF prospectus with the expense ratio (SEC) ↗Dimensional website ↗SCHZ filings on SEC EDGAR ↗SCHZ prospectus with the expense ratio (SEC) ↗Schwab website ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, DFCF against SCHZ, data as of Oct 9, 2026. https://etfiq.com/compare/any/dfcf-vs-schz

Open data

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.