DECO vs SCHD
State Street Galaxy Digital Asset Ecosystem ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. DECO delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | DECO | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $22M | $108.7B | |
| Dividend Yield | 0.72% | 3.13% | |
| Holdings | 33 | 104 | |
| YTD Return | +50.72% | +26.54% | |
| 1Y Return | +93.57% | +30.90% | |
| 3Y Return (annualized) | +76.43% | +16.29% | |
| 5Y Return (annualized) | +76.43% | +9.65% | |
| Volatility (annualized) | 742858.0% | 13.6% | |
| Max Drawdown | -100.0% | -33.4% | |
| Fund Family | SPDR State Street Global Advisors | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Sep 9, 2024 | Oct 20, 2011 |
DECO vs SCHD Performance
State Street Galaxy Digital Asset Ecosystem ETF (DECO) is a ETF from SPDR State Street Global Advisors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DECO returned +93.57% while SCHD returned +30.90%. Year to date, DECO is up 50.72% versus a gain of 26.54% for SCHD.
Over three years, DECO compounded at +76.43% per year against +16.29% for SCHD; over five years the annualized figures are +76.43% and +9.65% respectively. Across the full 15-year window we track, SCHD has the edge at +11.51% annualized vs +0.96%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DECO has been the more volatile fund, with annualized monthly volatility of 742858.0% 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 -100.0% for DECO 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 -0.02. They move independently enough that combining them can meaningfully diversify a portfolio.
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
DECO and SCHD share 0 holdings out of 131 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, DECO or SCHD?
DECO has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, DECO or SCHD?
Over the past year DECO returned +93.57% vs +30.90% for SCHD, so DECO leads on 1-year performance. Over the longest common window we track (15 years), DECO annualized +0.96% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, DECO or SCHD?
DECO has been the more volatile fund at 742858.0% annualized versus 13.6% for SCHD. Worst drawdown: DECO -100.0% vs SCHD -33.4%.
Should I hold both DECO and SCHD?
DECO and SCHD have a monthly-return correlation of -0.02, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DECO and SCHD?
DECO and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 131 unique securities.
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.
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