CLOC vs SCHD
AAM Crescent CLO ETF vs Schwab US Dividend Equity ETF
Which is better, CLOC or SCHD?
Bank Loan against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y 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 | CLOC | SCHD |
|---|---|---|
| Expense Ratio | 0.18% | 0.06%Best |
| AUM | $62M | $119.9B |
| Dividend Yield | 6.32% | 2.96% |
| Holdings | 122 | 204 |
| YTD Return | +4.74% | +33.09%Best |
| 1Y Return | +5.49% | +37.17%Best |
| 3Y Return (annualized) | - | +20.32% |
| 5Y Return (annualized) | - | +10.36% |
| Volatility (annualized) | 1.2%Best | 15.9% |
| Max Drawdown | -0.5%Best | -6.9% |
| $10,000 over 1.1 years | $10,603 | $14,000Best |
| Fund Family | Advisors Asset Management, Inc. | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Bank Loan | Large Cap Value |
| Inception | Oct 22, 2025 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.1 years row, are measured over the window both funds cover: Oct 23, 2025 to Nov 11, 2026 (1.1 years).
CLOC 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 1.1 years both funds cover.
CLOC vs SCHD Performance
AAM Crescent CLO ETF (CLOC) is an ETF from Advisors Asset Management, Inc. and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year CLOC returned +5.49% while SCHD returned +37.17%. Year to date, CLOC is up 4.74% versus a gain of 33.09% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 1.2% for CLOC. 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 -0.5% for CLOC and -6.9% 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 -0.05. They move largely independently of each other.
Fees and Cost Over Time
CLOC charges 0.18% per year while SCHD charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, CLOC currently yields 6.32% against 2.96% for SCHD.
Holdings Overlap
We hold position weights for 5 holdings in CLOC and 98 in SCHD, totalling 11.8% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 5 positions we hold weights for in CLOC and 98 in SCHD, against full books of 122 and 204.
You are not choosing between two funds in isolation.
Whichever of CLOC 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, CLOC or SCHD?
CLOC has an expense ratio of 0.18% while SCHD charges 0.06%. SCHD is the cheaper option, by $12 a year on a $10,000 investment.
Which performed better, CLOC or SCHD?
Over the past year CLOC returned +5.49% vs +37.17% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), CLOC annualized +5.47% vs +35.78% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CLOC or SCHD?
SCHD has been the more volatile fund at 15.9% annualized versus 1.2% for CLOC. Worst drawdown: CLOC -0.5% vs SCHD -6.9%.
Should I hold both CLOC and SCHD?
CLOC and SCHD have a monthly-return correlation of -0.05, 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, CLOC or SCHD?
CLOC yields 6.32% while SCHD yields 2.96%, so CLOC currently pays the higher dividend yield.
Is SCHD better than CLOC?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.