CSHP vs SCHD
iShares Dynamic Short-Term Active 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 103 holdings.
Side-by-Side Comparison
| Metric | CSHP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.06% | |
| AUM | $193M | $112.2B | |
| Dividend Yield | 4.00% | 3.13% | |
| Holdings | 65 | 103 | |
| YTD Return | +2.59% | +28.59% | |
| 1Y Return | +3.94% | +31.77% | |
| 3Y Return (annualized) | - | +16.70% | |
| 5Y Return (annualized) | - | +10.09% | |
| Volatility (annualized) | 0.3% | 13.6% | |
| Max Drawdown | -0.5% | -33.4% | |
| Fund Family | BlackRock, Inc. (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jul 17, 2024 | Oct 20, 2011 |
CSHP vs SCHD Performance
iShares Dynamic Short-Term Active ETF (CSHP) is a ETF from BlackRock, Inc. (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CSHP returned +3.94% while SCHD returned +31.77%. Year to date, CSHP is up 2.59% versus a gain of 28.59% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% 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 -0.5% for CSHP 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 -0.02. They move independently enough that combining them can meaningfully diversify a portfolio.
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 4.00% against 3.13% for SCHD.
Holdings Overlap
CSHP and SCHD share 42 holdings out of 524 unique holdings combined, representing a 1.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $14 per year of difference.
Which performed better, CSHP or SCHD?
Over the past year CSHP returned +3.94% vs +31.77% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), CSHP annualized +4.24% vs +11.59% for SCHD. Past performance does not guarantee future results.
Which is riskier, CSHP or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 0.3% for CSHP. Worst drawdown: CSHP -0.5% vs SCHD -33.4%.
Should I hold both CSHP and SCHD?
CSHP and SCHD have a monthly-return correlation of -0.02, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CSHP and SCHD?
CSHP and SCHD share 42 common holdings with a 1.8% weight overlap. Combined, they hold 524 unique securities.
Which pays a higher dividend, CSHP or SCHD?
CSHP yields 4.00% while SCHD yields 3.13%, so CSHP currently pays the higher dividend yield.
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