CCIF vs SCHD
Carlyle Credit Income Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | CCIF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 13.82% | 0.06% | |
| AUM | $56M | $103.7B | |
| Dividend Yield | 38.71% | 3.31% | |
| Holdings | 45 | 104 | |
| YTD Return | -30.81% | +24.26% | |
| 1Y Return | -31.58% | +31.38% | |
| 3Y Return (annualized) | -14.32% | +15.08% | |
| 5Y Return (annualized) | -8.87% | +9.72% | |
| Volatility (annualized) | 18.0% | 13.6% | |
| Max Drawdown | -55.6% | -33.4% | |
| Fund Family | Carlyle Credit Income Fund | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 30, 2011 | Oct 20, 2011 |
CCIF vs SCHD Performance
Carlyle Credit Income Fund (CCIF) is a ETF from Carlyle Credit Income Fund and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CCIF returned -31.58% while SCHD returned +31.38%. Year to date, CCIF is down 30.81% versus a gain of 24.26% for SCHD.
Over three years, CCIF compounded at -14.32% per year against +15.08% for SCHD; over five years the annualized figures are -8.87% and +9.72% respectively. Across the full 14-year window we track, SCHD has the edge at +11.39% annualized vs -2.77%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CCIF has been the more volatile fund, with annualized monthly volatility of 18.0% compared with 13.6% for SCHD. 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 -55.6% for CCIF and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CCIF charges 13.82% per year while SCHD charges 0.06%. On a $10,000 position that is $1382 vs $6 annually, a gap of $1376 per year that compounds over a long holding period. On income, CCIF currently yields 38.71% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, CCIF or SCHD?
CCIF has an expense ratio of 13.82% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $1376 per year of difference.
Which performed better, CCIF or SCHD?
Over the past year CCIF returned -31.58% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (14 years), CCIF annualized -2.77% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, CCIF or SCHD?
CCIF has been the more volatile fund at 18.0% annualized versus 13.6% for SCHD. Worst drawdown: CCIF -55.6% vs SCHD -33.4%.
Should I hold both CCIF and SCHD?
CCIF and SCHD have a monthly-return correlation of 0.30, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, CCIF or SCHD?
CCIF yields 38.71% while SCHD yields 3.31%, so CCIF currently pays the higher dividend yield.
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