CEF vs SCHD
CEF vs SCHD
Sprott Physical Gold and Silver Trust vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. CEF delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | CEF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.46% | 0.06% | |
| AUM | $7.4B | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 4 | 104 | |
| YTD Return | -5.55% | +24.26% | |
| 1Y Return | +38.70% | +31.38% | |
| 3Y Return (annualized) | +34.28% | +15.08% | |
| 5Y Return (annualized) | +20.10% | +9.72% | |
| Volatility (annualized) | 23.0% | 13.6% | |
| Max Drawdown | -62.3% | -33.4% | |
| Fund Family | Sprott Asset Management LP | Charles Schwab Asset Management | |
| Category | Commodity | Equity | |
| Inception | Jan 16, 2018 | Oct 20, 2011 |
CEF vs SCHD Performance
Sprott Physical Gold and Silver Trust (CEF) is a ETF from Sprott Asset Management LP and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CEF returned +38.70% while SCHD returned +31.38%. Year to date, CEF is down 5.55% versus a gain of 24.26% for SCHD.
Over three years, CEF compounded at +34.28% per year against +15.08% for SCHD; over five years the annualized figures are +20.10% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +7.71%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CEF has been the more volatile fund, with annualized monthly volatility of 23.0% 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 -62.3% for CEF 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 0.14. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CEF charges 0.46% per year while SCHD charges 0.06%. On a $10,000 position that is $46 vs $6 annually, a gap of $40 per year that compounds over a long holding period. On income, CEF currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, CEF or SCHD?
CEF has an expense ratio of 0.46% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, CEF or SCHD?
Over the past year CEF returned +38.70% vs +31.38% for SCHD, so CEF leads on 1-year performance. Over the longest common window we track (15 years), CEF annualized +7.71% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, CEF or SCHD?
CEF has been the more volatile fund at 23.0% annualized versus 13.6% for SCHD. Worst drawdown: CEF -62.3% vs SCHD -33.4%.
Should I hold both CEF and SCHD?
CEF and SCHD have a monthly-return correlation of 0.14, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, CEF or SCHD?
CEF yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.