DBEZ vs SCHD
Xtrackers MSCI Eurozone Hedged Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. DBEZ offers more diversification with 599 holdings.
Side-by-Side Comparison
| Metric | DBEZ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.06% | |
| AUM | $77M | $108.7B | |
| Dividend Yield | 1.26% | 3.13% | |
| Holdings | 599 | 104 | |
| YTD Return | +15.47% | +26.54% | |
| 1Y Return | +24.29% | +30.90% | |
| 3Y Return (annualized) | +19.74% | +16.29% | |
| 5Y Return (annualized) | +12.41% | +9.65% | |
| Volatility (annualized) | 16.3% | 13.6% | |
| Max Drawdown | -38.8% | -33.4% | |
| Fund Family | Xtrackers ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 10, 2014 | Oct 20, 2011 |
DBEZ vs SCHD Performance
Xtrackers MSCI Eurozone Hedged Equity ETF (DBEZ) 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 DBEZ returned +24.29% while SCHD returned +30.90%. Year to date, DBEZ is up 15.47% versus a gain of 26.54% for SCHD.
Over three years, DBEZ compounded at +19.74% per year against +16.29% for SCHD; over five years the annualized figures are +12.41% and +9.65% respectively. Across the full 12-year window we track, SCHD has the edge at +11.51% annualized vs +9.89%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DBEZ has been the more volatile fund, with annualized monthly volatility of 16.3% compared with 13.6% for SCHD. 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 -38.8% for DBEZ 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DBEZ 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, DBEZ currently yields 1.26% against 3.13% for SCHD.
Holdings Overlap
DBEZ and SCHD share 0 holdings out of 689 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, DBEZ or SCHD?
DBEZ 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, DBEZ or SCHD?
Over the past year DBEZ returned +24.29% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (12 years), DBEZ annualized +9.89% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, DBEZ or SCHD?
DBEZ has been the more volatile fund at 16.3% annualized versus 13.6% for SCHD. Worst drawdown: DBEZ -38.8% vs SCHD -33.4%.
Should I hold both DBEZ and SCHD?
DBEZ and SCHD have a monthly-return correlation of 0.73, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DBEZ and SCHD?
DBEZ and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 689 unique securities.
Which pays a higher dividend, DBEZ or SCHD?
DBEZ yields 1.26% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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