DBEU vs SCHD
Xtrackers MSCI Europe Hedged Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. DBEU offers more diversification with 410 holdings.
Side-by-Side Comparison
| Metric | DBEU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.06% | |
| AUM | $800M | $108.7B | |
| Dividend Yield | 1.40% | 3.13% | |
| Holdings | 410 | 104 | |
| YTD Return | +13.38% | +26.54% | |
| 1Y Return | +23.37% | +30.90% | |
| 3Y Return (annualized) | +17.58% | +16.29% | |
| 5Y Return (annualized) | +11.69% | +9.65% | |
| Volatility (annualized) | 12.7% | 13.6% | |
| Max Drawdown | -34.5% | -33.4% | |
| Fund Family | Xtrackers ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 1, 2013 | Oct 20, 2011 |
DBEU vs SCHD Performance
Xtrackers MSCI Europe Hedged Equity ETF (DBEU) is a ETF from Xtrackers ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DBEU returned +23.37% while SCHD returned +30.90%. Year to date, DBEU is up 13.38% versus a gain of 26.54% for SCHD.
Over three years, DBEU compounded at +17.58% per year against +16.29% for SCHD; over five years the annualized figures are +11.69% and +9.65% respectively. Across the full 13-year window we track, SCHD has the edge at +11.51% annualized vs +9.97%. 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 12.7% for DBEU. 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 -34.5% for DBEU 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DBEU charges 0.45% per year while SCHD charges 0.06%. On a $10,000 position that is $45 vs $6 annually, a gap of $39 per year that compounds over a long holding period. On income, DBEU currently yields 1.40% against 3.13% for SCHD.
Holdings Overlap
DBEU and SCHD share 0 holdings out of 499 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, DBEU or SCHD?
DBEU has an expense ratio of 0.45% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $39 per year of difference.
Which performed better, DBEU or SCHD?
Over the past year DBEU returned +23.37% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), DBEU annualized +9.97% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, DBEU or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.7% for DBEU. Worst drawdown: DBEU -34.5% vs SCHD -33.4%.
Should I hold both DBEU and SCHD?
DBEU and SCHD have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DBEU and SCHD?
DBEU and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 499 unique securities.
Which pays a higher dividend, DBEU or SCHD?
DBEU yields 1.40% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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