DOL vs SCHD
WisdomTree True Developed International Fund vs Schwab US Dividend Equity ETF
Which is better, DOL or SCHD?
Each has led over a different period.
SCHD has a lower expense ratio. DOL led over 3Y and 5Y, SCHD over 1Y and the full window. DOL is less concentrated, with 18.9% of the fund in its ten largest positions against 41.5%.
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 | DOL | SCHD |
|---|---|---|
| Expense Ratio | 0.48% | 0.06%Best |
| AUM | $856M | $112.2B |
| Dividend Yield | 2.44% | 3.13% |
| Holdings | 317 | 103 |
| YTD Return | +18.34% | +27.56%Best |
| 1Y Return | +29.59% | +30.29%Best |
| 3Y Return (annualized) | +22.32%Best | +16.37% |
| 5Y Return (annualized) | +12.98%Best | +10.23% |
| Volatility (annualized) | 14.2% | 13.6%Best |
| Max Drawdown | -41.4% | -33.4%Best |
| $10,000 over 5 years | $18,408Best | $16,274 |
| Top 10 Weight | 18.9%Best | 41.5% |
| Fund Family | WisdomTree Investments | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | Jun 16, 2006 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 4, 2026 (14.9 years).
DOL 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.
DOL vs SCHD Performance
WisdomTree True Developed International Fund (DOL) is an ETF from WisdomTree Investments and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year DOL returned +29.59% while SCHD returned +30.29%. Year to date, DOL is up 18.34% versus a gain of 27.56% for SCHD.
Over three years, DOL compounded at +22.32% per year against +16.37% for SCHD; over five years the annualized figures are +12.98% and +10.23% respectively. Across the full 15-year window we track, SCHD has the edge at +11.53% annualized vs +5.82%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DOL has been the more volatile fund, with annualized monthly volatility of 14.2% 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 -41.4% for DOL 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DOL charges 0.48% per year while SCHD charges 0.06%. On a $10,000 position that is $48 vs $6 annually, a gap of $42 per year that compounds over a long holding period. On income, DOL currently yields 2.44% against 3.13% for SCHD.
Holdings Overlap
1.0% of DOL's money is in holdings SCHD also owns. 0.2% of SCHD's money is in holdings DOL also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 295 positions we hold weights for in DOL and 100 in SCHD, against full books of 317 and 103.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for DOL (99.7% of the fund), and 13 for DOL that do not appear in SCHD (4.3%).
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.
Top Shared Holdings
| Stock | Weight in DOL | Weight in SCHD | Difference |
|---|---|---|---|
| ALV:STAutoliv, Inc. | 0.97% | 0.21% | 0.76% |
You are not choosing between two funds in isolation.
Whichever of DOL 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, DOL or SCHD?
DOL has an expense ratio of 0.48% while SCHD charges 0.06%. SCHD is the cheaper option, by $42 a year on a $10,000 investment.
Which performed better, DOL or SCHD?
Over the past year DOL returned +29.59% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), DOL annualized +5.82% vs +11.53% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DOL or SCHD?
DOL has been the more volatile fund at 14.2% annualized versus 13.6% for SCHD. Worst drawdown: DOL -41.4% vs SCHD -33.4%.
Should I hold both DOL and SCHD?
DOL and SCHD have a monthly-return correlation of 0.75, 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, DOL or SCHD?
DOL yields 2.44% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than DOL?
SCHD has a lower expense ratio. DOL led over 3Y and 5Y, SCHD over 1Y and the full window. DOL is less concentrated, with 18.9% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.