CSHP vs SCHD
iShares Dynamic Short-Term Active ETF vs Schwab US Dividend Equity ETF
Which is better, CSHP or SCHD?
Short Term Bond against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
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 | CSHP | SCHD |
|---|---|---|
| Expense Ratio | 0.20% | 0.06%Best |
| AUM | $192M | $112.1B |
| Dividend Yield | 4.10% | 3.00% |
| Holdings | 65 | 103 |
| YTD Return | +2.83% | +21.33%Best |
| 1Y Return | +3.95% | +25.15%Best |
| 3Y Return (annualized) | - | +15.43% |
| 5Y Return (annualized) | - | +9.32% |
| Volatility (annualized) | 0.3%Best | 13.7% |
| Max Drawdown | -0.7%Best | -16.1% |
| $10,000 over 2.2 years | $10,954 | $13,113Best |
| Fund Family | BlackRock, Inc. (US) | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Short Term Bond | Large Cap Value |
| Inception | Jul 17, 2024 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.2 years row, are measured over the window both funds cover: Jul 18, 2024 to Sep 24, 2026 (2.2 years).
CSHP 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 2.2 years both funds cover.
CSHP vs SCHD Performance
iShares Dynamic Short-Term Active ETF (CSHP) is an ETF from BlackRock, Inc. (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year CSHP returned +3.95% while SCHD returned +25.15%. Year to date, CSHP is up 2.83% versus a gain of 21.33% 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 13.7% compared with 0.3% for CSHP. 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 -0.7% for CSHP 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 -0.22. They move largely independently of each other.
Fees and Cost Over Time
CSHP charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, CSHP currently yields 4.10% against 3.00% for SCHD.
Holdings Overlap
At least 90.7% of SCHD's money is in holdings CSHP also owns.
Stated as a floor: for CSHP, our book for it covers 36.9% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of SCHD is already inside CSHP. Owning both mostly buys the same companies twice.
42 positions in common, counted across the 451 positions we hold weights for in CSHP and 100 in SCHD, against full books of 65 and 103.
Top Shared Holdings
| Stock | Weight in CSHP | Weight in SCHD | Difference |
|---|---|---|---|
| MRKMerck & Company Inc | 0.13% | 4.77% | 4.64% |
| AMGNAmgen Inc. | 0.08% | 4.70% | 4.62% |
| ABTAbbott Laboratories | 0.07% | 4.69% | 4.62% |
| KOCoca Cola Co. | 0.12% | 4.17% | 4.05% |
| CVXChevron Corp | 0.14% | 4.02% | 3.88% |
| VZVerizon Communic | 0.08% | 3.97% | 3.89% |
| HDHome Depot Inc/The | 0.12% | 3.88% | 3.76% |
| COPConocophillips Common Stock USD 0.01 | 0.06% | 3.94% | 3.88% |
| PGProcter & Gamble Company | 0.12% | 3.83% | 3.71% |
| UNHUnitedhealth Group Incorporated | 0.13% | 3.82% | 3.69% |
90.7% of SCHD is already inside CSHP.
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, CSHP or SCHD?
CSHP has an expense ratio of 0.20% while SCHD charges 0.06%. SCHD is the cheaper option, by $14 a year on a $10,000 investment.
Which performed better, CSHP or SCHD?
Over the past year CSHP returned +3.95% vs +25.15% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), CSHP annualized +4.23% vs +13.11% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CSHP or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 0.3% for CSHP. Worst drawdown: CSHP -0.7% vs SCHD -16.1%.
Should I hold both CSHP and SCHD?
CSHP and SCHD have a monthly-return correlation of -0.22, 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 CSHP and SCHD?
At least 90.7% of SCHD's money is in holdings CSHP also owns. Our book for CSHP is partial, so the real figure is this or higher. They hold 42 positions in common, counted across the 451 positions we hold weights for in CSHP and 100 in SCHD.
Which pays a higher dividend, CSHP or SCHD?
CSHP yields 4.10% while SCHD yields 3.00%, so CSHP currently pays the higher dividend yield.
Is SCHD better than CSHP?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.