DECO vs SCHD
State Street Galaxy Digital Asset Ecosystem ETF vs Schwab US Dividend Equity ETF
Which is better, DECO or SCHD?
Option Writing against Large Cap Value.
SCHD has a lower expense ratio. DECO led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 63.7%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | DECO | SCHD |
|---|---|---|
| Expense Ratio | 0.65% | 0.06%Best |
| AUM | $20M | $112.2B |
| Dividend Yield | 0.72% | 3.13% |
| Holdings | 32 | 103 |
| YTD Return | +51.32%Best | +28.59% |
| 1Y Return | +91.13%Best | +31.77% |
| 3Y Return (annualized) | +74.03%Best | +16.70% |
| 5Y Return (annualized) | +74.03%Best | +10.09% |
| Volatility (annualized) | 55.5% | 13.6%Best |
| Max Drawdown | -47.7% | -33.4%Best |
| $10,000 over 5 years | $159,632Best | $16,171 |
| Top 10 Weight | 63.7% | 41.5%Best |
| Fund Family | SPDR State Street Global Advisors | Charles Schwab Asset Management |
| Category | Alternative | Equity |
| Style | Option Writing | Large Cap Value |
| Inception | Sep 9, 2024 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Sep 10, 2024 to Sep 3, 2026 (14.9 years).
DECO vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 14.9 years both funds cover.
DECO vs SCHD Performance
State Street Galaxy Digital Asset Ecosystem ETF (DECO) is an ETF from SPDR State Street Global Advisors and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year DECO returned +91.13% while SCHD returned +31.77%. Year to date, DECO is up 51.32% versus a gain of 28.59% for SCHD.
Over three years, DECO compounded at +74.03% per year against +16.70% for SCHD; over five years the annualized figures are +74.03% and +10.09% respectively. Across the full 2-year window we track, DECO has the edge at +74.03% annualized vs +11.59%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DECO has been the more volatile fund, with annualized monthly volatility of 55.5% 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 -47.7% for DECO and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at -0.02. They move largely independently of each other.
Fees and Cost Over Time
DECO charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, DECO currently yields 0.72% against 3.13% for SCHD.
Holdings Overlap
We hold position weights for 31 holdings in DECO and 100 in SCHD, totalling 100.1% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 31 positions we hold weights for in DECO and 100 in SCHD, against full books of 32 and 103.
What only one of them owns
Our book lists 99 positions for SCHD that do not appear in our book for DECO (99.9% of the fund), and 28 for DECO that do not appear in SCHD (96.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of DECO and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, DECO or SCHD?
DECO has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option, by $59 a year on a $10,000 investment.
Which performed better, DECO or SCHD?
Over the past year DECO returned +91.13% vs +31.77% for SCHD, so DECO leads on 1-year performance. Over the longest common window we track (2 years), DECO annualized +74.03% vs +11.59% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DECO or SCHD?
DECO has been the more volatile fund at 55.5% annualized versus 13.6% for SCHD. Worst drawdown: DECO -47.7% vs SCHD -33.4%.
Should I hold both DECO and SCHD?
DECO and SCHD have a monthly-return correlation of -0.02, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, DECO or SCHD?
DECO yields 0.72% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than DECO?
SCHD has a lower expense ratio. DECO led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 63.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.