CNYA vs SCHD
iShares MSCI China A ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. CNYA offers more diversification with 416 holdings.
Side-by-Side Comparison
| Metric | CNYA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.60% | 0.06% | |
| AUM | $204M | $103.7B | |
| Dividend Yield | 1.68% | 3.31% | |
| Holdings | 416 | 104 | |
| YTD Return | +3.81% | +26.21% | |
| 1Y Return | +18.79% | +29.99% | |
| 3Y Return (annualized) | +10.39% | +15.73% | |
| 5Y Return (annualized) | -0.99% | +9.67% | |
| Volatility (annualized) | 20.7% | 13.6% | |
| Max Drawdown | -49.5% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 13, 2016 | Oct 20, 2011 |
CNYA vs SCHD Performance
iShares MSCI China A ETF (CNYA) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CNYA returned +18.79% while SCHD returned +29.99%. Year to date, CNYA is up 3.81% versus a gain of 26.21% for SCHD.
Over three years, CNYA compounded at +10.39% per year against +15.73% for SCHD; over five years the annualized figures are -0.99% and +9.67% respectively. Across the full 10-year window we track, SCHD has the edge at +11.50% annualized vs +5.91%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CNYA has been the more volatile fund, with annualized monthly volatility of 20.7% 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 -49.5% for CNYA 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CNYA charges 0.60% per year while SCHD charges 0.06%. On a $10,000 position that is $60 vs $6 annually, a gap of $54 per year that compounds over a long holding period. On income, CNYA currently yields 1.68% against 3.31% for SCHD.
Holdings Overlap
CNYA and SCHD share 0 holdings out of 506 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CNYA or SCHD?
CNYA has an expense ratio of 0.60% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $54 per year of difference.
Which performed better, CNYA or SCHD?
Over the past year CNYA returned +18.79% vs +29.99% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (10 years), CNYA annualized +5.91% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, CNYA or SCHD?
CNYA has been the more volatile fund at 20.7% annualized versus 13.6% for SCHD. Worst drawdown: CNYA -49.5% vs SCHD -33.4%.
Should I hold both CNYA and SCHD?
CNYA and SCHD have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CNYA and SCHD?
CNYA and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 506 unique securities.
Which pays a higher dividend, CNYA or SCHD?
CNYA yields 1.68% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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