CUSD vs SCHD
CrossingBridge Ultra-Short Duration 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 | CUSD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.81% | 0.06% | |
| AUM | $11M | $108.7B | |
| Dividend Yield | 13.50% | 3.13% | |
| Holdings | 39 | 104 | |
| YTD Return | +3.33% | +27.67% | |
| 1Y Return | +3.82% | +29.56% | |
| 3Y Return (annualized) | +6.84% | +16.53% | |
| 5Y Return (annualized) | - | +9.95% | |
| Volatility (annualized) | 3.0% | 13.6% | |
| Max Drawdown | -5.4% | -33.4% | |
| Fund Family | CrossingBridge | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Sep 20, 2021 | Oct 20, 2011 |
CUSD vs SCHD Performance
CrossingBridge Ultra-Short Duration ETF (CUSD) is a ETF from CrossingBridge and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CUSD returned +3.82% while SCHD returned +29.56%. Year to date, CUSD is up 3.33% versus a gain of 27.67% for SCHD.
Over three years, CUSD compounded at +6.84% per year against +16.53% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.55% annualized vs +5.93%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.0% for CUSD. 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 -5.4% for CUSD 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 -0.16. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CUSD charges 0.81% per year while SCHD charges 0.06%. On a $10,000 position that is $81 vs $6 annually, a gap of $75 per year that compounds over a long holding period. On income, CUSD currently yields 13.50% against 3.13% for SCHD.
Holdings Overlap
CUSD and SCHD share 0 holdings out of 135 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, CUSD or SCHD?
CUSD has an expense ratio of 0.81% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $75 per year of difference.
Which performed better, CUSD or SCHD?
Over the past year CUSD returned +3.82% vs +29.56% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), CUSD annualized +5.93% vs +11.55% for SCHD. Past performance does not guarantee future results.
Which is riskier, CUSD or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 3.0% for CUSD. Worst drawdown: CUSD -5.4% vs SCHD -33.4%.
Should I hold both CUSD and SCHD?
CUSD and SCHD have a monthly-return correlation of -0.16, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CUSD and SCHD?
CUSD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 135 unique securities.
Which pays a higher dividend, CUSD or SCHD?
CUSD yields 13.50% while SCHD yields 3.13%, so CUSD currently pays the higher dividend yield.
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