DDX vs SCHD
Defined Duration 10 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 | DDX | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $72M | $103.7B | |
| Dividend Yield | 3.33% | 3.31% | |
| Holdings | 10 | 104 | |
| YTD Return | +4.53% | +24.26% | |
| 1Y Return | +8.40% | +31.38% | |
| 3Y Return (annualized) | +7.64% | +15.08% | |
| 5Y Return (annualized) | +0.29% | +9.72% | |
| Volatility (annualized) | 8.7% | 13.6% | |
| Max Drawdown | -27.3% | -33.4% | |
| Fund Family | Discipline Funds | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Sep 20, 2021 | Oct 20, 2011 |
DDX vs SCHD Performance
Defined Duration 10 ETF (DDX) is a ETF from Discipline Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DDX returned +8.40% while SCHD returned +31.38%. Year to date, DDX is up 4.53% versus a gain of 24.26% for SCHD.
Over three years, DDX compounded at +7.64% per year against +15.08% for SCHD; over five years the annualized figures are +0.29% and +9.72% respectively. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +0.29%. 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 8.7% for DDX. 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 -27.3% for DDX 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
DDX charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, DDX currently yields 3.33% against 3.31% for SCHD.
Holdings Overlap
DDX and SCHD share 0 holdings out of 106 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, DDX or SCHD?
DDX has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, DDX or SCHD?
Over the past year DDX returned +8.40% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), DDX annualized +0.29% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, DDX or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.7% for DDX. Worst drawdown: DDX -27.3% vs SCHD -33.4%.
Should I hold both DDX and SCHD?
DDX 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 DDX and SCHD?
DDX and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 106 unique securities.
Which pays a higher dividend, DDX or SCHD?
DDX yields 3.33% while SCHD yields 3.31%, so DDX currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.