CPER vs SCHD
United States Copper Index Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. CPER delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | CPER | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.88% | 0.06% | |
| AUM | $738M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 10 | 104 | |
| YTD Return | +14.07% | +24.26% | |
| 1Y Return | +45.20% | +31.38% | |
| 3Y Return (annualized) | +19.52% | +15.08% | |
| 5Y Return (annualized) | +8.77% | +9.72% | |
| Volatility (annualized) | 19.7% | 13.6% | |
| Max Drawdown | -54.0% | -33.4% | |
| Fund Family | USCF Investments | Charles Schwab Asset Management | |
| Category | Commodity | Equity | |
| Inception | Nov 14, 2011 | Oct 20, 2011 |
CPER vs SCHD Performance
United States Copper Index Fund (CPER) is a ETF from USCF Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CPER returned +45.20% while SCHD returned +31.38%. Year to date, CPER is up 14.07% versus a gain of 24.26% for SCHD.
Over three years, CPER compounded at +19.52% per year against +15.08% for SCHD; over five years the annualized figures are +8.77% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +3.18%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CPER has been the more volatile fund, with annualized monthly volatility of 19.7% 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 -54.0% for CPER 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CPER charges 0.88% per year while SCHD charges 0.06%. On a $10,000 position that is $88 vs $6 annually, a gap of $82 per year that compounds over a long holding period. On income, CPER currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
CPER and SCHD share 0 holdings out of 101 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, CPER or SCHD?
CPER has an expense ratio of 0.88% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, CPER or SCHD?
Over the past year CPER returned +45.20% vs +31.38% for SCHD, so CPER leads on 1-year performance. Over the longest common window we track (15 years), CPER annualized +3.18% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, CPER or SCHD?
CPER has been the more volatile fund at 19.7% annualized versus 13.6% for SCHD. Worst drawdown: CPER -54.0% vs SCHD -33.4%.
Should I hold both CPER and SCHD?
CPER and SCHD have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPER and SCHD?
CPER and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, CPER or SCHD?
CPER yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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