CCIF vs SCHD
Carlyle Credit Income Fund vs Schwab US Dividend Equity ETF
Which is better, CCIF or SCHD?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | CCIF | SCHD |
|---|---|---|
| Expense Ratio | 13.82% | 0.06%Best |
| AUM | $57M | $112.1B |
| Dividend Yield | 36.80% | 3.00% |
| Holdings | 45 | 103 |
| YTD Return | -38.03% | +23.46%Best |
| 1Y Return | -44.69% | +27.20%Best |
| 3Y Return (annualized) | -19.12% | +15.41%Best |
| 5Y Return (annualized) | -10.94% | +10.16%Best |
| Volatility (annualized) | 18.1% | 14.0%Best |
| Max Drawdown | -56.9% | -33.4%Best |
| $10,000 over 5 years | $5,603 | $16,223Best |
| Fund Family | Carlyle Credit Income Fund | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Value |
| Inception | Dec 30, 2011 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Aug 17, 2012 to Sep 18, 2026 (14.1 years).
CCIF vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 14.1 years both funds cover.
CCIF vs SCHD Performance
Carlyle Credit Income Fund (CCIF) is an ETF from Carlyle Credit Income Fund and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year CCIF returned -44.69% while SCHD returned +27.20%. Year to date, CCIF is down 38.03% versus a gain of 23.46% for SCHD.
Over three years, CCIF compounded at -19.12% per year against +15.41% for SCHD; over five years the annualized figures are -10.94% and +10.16% respectively. Across the full 14-year window we track, SCHD has the edge at +10.81% annualized vs -3.50%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CCIF has been the more volatile fund, with annualized monthly volatility of 18.1% compared with 14.0% 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 -56.9% for CCIF and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.30. They move together some of the time, and apart the rest.
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 36.80% against 3.00% for SCHD.
You are not choosing between two funds in isolation.
Whichever of CCIF and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $1376 a year on a $10,000 investment.
Which performed better, CCIF or SCHD?
Over the past year CCIF returned -44.69% vs +27.20% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (14 years), CCIF annualized -3.50% vs +10.81% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CCIF or SCHD?
CCIF has been the more volatile fund at 18.1% annualized versus 14.0% for SCHD. Worst drawdown: CCIF -56.9% vs SCHD -33.4%.
Should I hold both CCIF and SCHD?
CCIF and SCHD have a monthly-return correlation of 0.30, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, CCIF or SCHD?
CCIF yields 36.80% while SCHD yields 3.00%, so CCIF currently pays the higher dividend yield.
Is SCHD better than CCIF?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.