COIW vs SCHD
Roundhill COIN WeeklyPay ETF 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 | COIW | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.06% | |
| AUM | $36M | $103.7B | |
| Dividend Yield | 13.58% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | -57.49% | +25.62% | |
| 1Y Return | -71.41% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 79.9% | 13.6% | |
| Max Drawdown | -80.0% | -33.4% | |
| Fund Family | Roundhill Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 19, 2025 | Oct 20, 2011 |
COIW vs SCHD Performance
Roundhill COIN WeeklyPay ETF (COIW) is a ETF from Roundhill Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year COIW returned -71.41% while SCHD returned +32.62%. Year to date, COIW is down 57.49% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
COIW has been the more volatile fund, with annualized monthly volatility of 79.9% 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 -80.0% for COIW 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 -0.26. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
COIW charges 0.99% per year while SCHD charges 0.06%. On a $10,000 position that is $99 vs $6 annually, a gap of $93 per year that compounds over a long holding period. On income, COIW currently yields 13.58% against 3.31% for SCHD.
Holdings Overlap
COIW and SCHD share 0 holdings out of 102 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, COIW or SCHD?
COIW has an expense ratio of 0.99% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $93 per year of difference.
Which performed better, COIW or SCHD?
Over the past year COIW returned -71.41% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), COIW annualized -44.96% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, COIW or SCHD?
COIW has been the more volatile fund at 79.9% annualized versus 13.6% for SCHD. Worst drawdown: COIW -80.0% vs SCHD -33.4%.
Should I hold both COIW and SCHD?
COIW and SCHD have a monthly-return correlation of -0.26, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between COIW and SCHD?
COIW and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, COIW or SCHD?
COIW yields 13.58% while SCHD yields 3.31%, so COIW currently pays the higher dividend yield.
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