CRTC vs SCHD
Xtrackers US National Critical Technologies ETF vs Schwab US Dividend Equity ETF
Which is better, CRTC or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. CRTC led over the full window, SCHD over 1Y. CRTC is less concentrated, with 39.5% of the fund in its ten largest positions against 41.8%.
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 | CRTC | SCHD |
|---|---|---|
| Expense Ratio | 0.35% | 0.06%Best |
| AUM | $141M | $108.9B |
| Dividend Yield | 0.85% | 3.00% |
| Holdings | 420 | 206 |
| YTD Return | +13.93% | +20.67%Best |
| 1Y Return | +14.18% | +22.79%Best |
| 3Y Return (annualized) | - | +15.93% |
| 5Y Return (annualized) | - | +9.26% |
| Volatility (annualized) | 11.7%Best | 13.3% |
| Max Drawdown | -19.1% | -16.1%Best |
| $10,000 over 2.9 years | $17,198Best | $15,506 |
| Top 10 Weight | 39.5%Best | 41.8% |
| Fund Family | Xtrackers ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Nov 16, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Nov 16, 2023 to Oct 1, 2026 (2.9 years).
CRTC 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 2.9 years both funds cover.
CRTC vs SCHD Performance
Xtrackers US National Critical Technologies ETF (CRTC) is an ETF from Xtrackers ETFs and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year CRTC returned +14.18% while SCHD returned +22.79%. Year to date, CRTC is up 13.93% versus a gain of 20.67% 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 13.3% compared with 11.7% for CRTC. 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 -19.1% for CRTC and -16.1% 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 0.40. They move together some of the time, and apart the rest.
Fees and Cost Over Time
CRTC charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, CRTC currently yields 0.85% against 3.00% for SCHD.
Holdings Overlap
6.8% of CRTC's money is in holdings SCHD also owns. 28.4% of SCHD's money is in holdings CRTC also owns.
SCHD and CRTC share little of their money.
9 positions in common, counted across the 207 positions we hold weights for in CRTC and 99 in SCHD, against full books of 420 and 206.
What only one of them owns
Our book lists 89 positions for SCHD that do not appear in our book for CRTC (71.5% of the fund), and 130 for CRTC that do not appear in SCHD (82.5%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in CRTC | Weight in SCHD | Difference |
|---|---|---|---|
| CVXChevron Corp | 1.92% | 4.29% | 2.37% |
| ABTAbbott Laboratories | 0.81% | 4.44% | 3.63% |
| AMGNAmgen Inc. | 0.94% | 4.24% | 3.30% |
| VZVerizon Communications Inc Vz | 0.97% | 4.12% | 3.15% |
| BMYBristol-Myers Squibb Co. | 0.59% | 3.25% | 2.66% |
| LMTLockheed Martin Corp | 0.56% | 2.66% | 2.10% |
| ADPAutomatic Data Processing, Inc. | 0.50% | 2.68% | 2.18% |
| CMCSAComcast Corp-class A Cmcsa | 0.40% | 2.25% | 1.85% |
| BRBroadridge Financial Solutions, Inc. | 0.09% | 0.49% | 0.40% |
28.4% of SCHD is already inside CRTC.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CRTC or SCHD?
CRTC has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, CRTC or SCHD?
Over the past year CRTC returned +14.18% vs +22.79% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CRTC or SCHD?
SCHD has been the more volatile fund at 13.3% annualized versus 11.7% for CRTC. Worst drawdown: CRTC -19.1% vs SCHD -16.1%.
Should I hold both CRTC and SCHD?
CRTC and SCHD have a monthly-return correlation of 0.40, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between CRTC and SCHD?
28.4% of SCHD's money is in holdings CRTC also owns. 28.4% of SCHD's is in holdings CRTC also owns. They hold 9 positions in common, counted across the 207 positions we hold weights for in CRTC and 99 in SCHD.
Which pays a higher dividend, CRTC or SCHD?
CRTC yields 0.85% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than CRTC?
SCHD has a lower expense ratio. CRTC led over the full window, SCHD over 1Y. CRTC is less concentrated, with 39.5% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.