CSB vs SCHD
VictoryShares US Small Cap High Dividend Volatility Weighted 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 104 holdings.
Side-by-Side Comparison
| Metric | CSB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $264M | $108.7B | |
| Dividend Yield | 3.03% | 3.13% | |
| Holdings | 102 | 104 | |
| YTD Return | +17.32% | +26.54% | |
| 1Y Return | +20.54% | +30.90% | |
| 3Y Return (annualized) | +13.21% | +16.29% | |
| 5Y Return (annualized) | +6.18% | +9.65% | |
| Volatility (annualized) | 18.9% | 13.6% | |
| Max Drawdown | -43.7% | -33.4% | |
| Fund Family | Victory Capital Management Inc. | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jul 7, 2015 | Oct 20, 2011 |
CSB vs SCHD Performance
VictoryShares US Small Cap High Dividend Volatility Weighted ETF (CSB) is a ETF from Victory Capital Management Inc. and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CSB returned +20.54% while SCHD returned +30.90%. Year to date, CSB is up 17.32% versus a gain of 26.54% for SCHD.
Over three years, CSB compounded at +13.21% per year against +16.29% for SCHD; over five years the annualized figures are +6.18% and +9.65% respectively. Across the full 11-year window we track, SCHD has the edge at +11.51% annualized vs +8.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CSB has been the more volatile fund, with annualized monthly volatility of 18.9% 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 -43.7% for CSB 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CSB 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, CSB currently yields 3.03% against 3.13% for SCHD.
Holdings Overlap
CSB and SCHD share 20 holdings out of 180 unique holdings combined, representing a 2.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CSB or SCHD?
CSB has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, CSB or SCHD?
Over the past year CSB returned +20.54% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), CSB annualized +8.08% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, CSB or SCHD?
CSB has been the more volatile fund at 18.9% annualized versus 13.6% for SCHD. Worst drawdown: CSB -43.7% vs SCHD -33.4%.
Should I hold both CSB and SCHD?
CSB and SCHD have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CSB and SCHD?
CSB and SCHD share 20 common holdings with a 2.3% weight overlap. Combined, they hold 180 unique securities.
Which pays a higher dividend, CSB or SCHD?
CSB yields 3.03% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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