DGCB vs SCHD
Dimensional Global Credit ETF vs Schwab US Dividend Equity ETF
Which is better, DGCB or SCHD?
Intermediate Term Bond against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
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 | DGCB | SCHD |
|---|---|---|
| Expense Ratio | 0.20% | 0.06%Best |
| AUM | $1.1B | $112.1B |
| Dividend Yield | 5.64% | 3.00% |
| Holdings | 1,157 | 103 |
| YTD Return | -0.32% | +23.46%Best |
| 1Y Return | +0.26% | +27.20%Best |
| 3Y Return (annualized) | - | +15.41% |
| 5Y Return (annualized) | - | +10.16% |
| Volatility (annualized) | 4.5%Best | 13.1% |
| Max Drawdown | -3.1%Best | -16.1% |
| $10,000 over 2.9 years | $12,112 | $16,380Best |
| Fund Family | Dimensional | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Value |
| Inception | Nov 7, 2023 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Nov 9, 2023 to Sep 18, 2026 (2.9 years).
DGCB 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 2.9 years both funds cover.
DGCB vs SCHD Performance
Dimensional Global Credit ETF (DGCB) is an ETF from Dimensional and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year DGCB returned +0.26% while SCHD returned +27.20%. Year to date, DGCB is down 0.32% versus a gain of 23.46% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.1% compared with 4.5% for DGCB. 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 -3.1% for DGCB and -16.1% 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 0.52. They move together some of the time, and apart the rest.
Fees and Cost Over Time
DGCB charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, DGCB currently yields 5.64% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 764 holdings in DGCB and 100 in SCHD, totalling 53.8% 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 764 positions we hold weights for in DGCB and 100 in SCHD, against full books of 1,157 and 103.
You are not choosing between two funds in isolation.
Whichever of DGCB 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, DGCB or SCHD?
DGCB has an expense ratio of 0.20% while SCHD charges 0.06%. SCHD is the cheaper option, by $14 a year on a $10,000 investment.
Which performed better, DGCB or SCHD?
Over the past year DGCB returned +0.26% vs +27.20% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DGCB or SCHD?
SCHD has been the more volatile fund at 13.1% annualized versus 4.5% for DGCB. Worst drawdown: DGCB -3.1% vs SCHD -16.1%.
Should I hold both DGCB and SCHD?
DGCB and SCHD have a monthly-return correlation of 0.52, 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, DGCB or SCHD?
DGCB yields 5.64% while SCHD yields 3.00%, so DGCB currently pays the higher dividend yield.
Is SCHD better than DGCB?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.