CZAR vs SCHD
Themes Natural Monopoly 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 100 holdings.
Side-by-Side Comparison
| Metric | CZAR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $2M | $103.7B | |
| Dividend Yield | 1.51% | 3.31% | |
| Holdings | 218 | 104 | |
| YTD Return | +3.77% | +25.58% | |
| 1Y Return | +4.52% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | 9.6% | 13.6% | |
| Max Drawdown | -13.4% | -33.4% | |
| Fund Family | Themes ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 13, 2023 | Oct 20, 2011 |
CZAR vs SCHD Performance
Themes Natural Monopoly ETF (CZAR) is a ETF from Themes ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CZAR returned +4.52% while SCHD returned +31.06%. Year to date, CZAR is up 3.77% versus a gain of 25.58% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.6% for CZAR. 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 -13.4% for CZAR 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CZAR 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, CZAR currently yields 1.51% against 3.31% for SCHD.
Holdings Overlap
CZAR and SCHD share 7 holdings out of 187 unique holdings combined, representing a 5.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CZAR or SCHD?
CZAR 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, CZAR or SCHD?
Over the past year CZAR returned +4.52% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), CZAR annualized +11.86% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, CZAR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.6% for CZAR. Worst drawdown: CZAR -13.4% vs SCHD -33.4%.
Should I hold both CZAR and SCHD?
CZAR and SCHD have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CZAR and SCHD?
CZAR and SCHD share 7 common holdings with a 5.3% weight overlap. Combined, they hold 187 unique securities.
Which pays a higher dividend, CZAR or SCHD?
CZAR yields 1.51% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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