DUSB vs SCHD
DUSB vs SCHD
Dimensional Ultrashort Fixed Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. DUSB offers more diversification with 298 holdings.
Side-by-Side Comparison
| Metric | DUSB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $2.2B | $103.7B | |
| Dividend Yield | 4.05% | 3.31% | |
| Holdings | 440 | 104 | |
| YTD Return | +2.33% | +24.26% | |
| 1Y Return | +4.23% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 0.4% | 13.6% | |
| Max Drawdown | -0.3% | -33.4% | |
| Fund Family | Dimensional | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 26, 2023 | Oct 20, 2011 |
DUSB vs SCHD Performance
Dimensional Ultrashort Fixed Income ETF (DUSB) is a ETF from Dimensional and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DUSB returned +4.23% while SCHD returned +31.38%. Year to date, DUSB is up 2.33% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 0.4% for DUSB. 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 -0.3% for DUSB 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 0.24. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DUSB charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, DUSB currently yields 4.05% against 3.31% for SCHD.
Holdings Overlap
DUSB and SCHD share 0 holdings out of 398 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, DUSB or SCHD?
DUSB has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, DUSB or SCHD?
Over the past year DUSB returned +4.23% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), DUSB annualized +5.02% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, DUSB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 0.4% for DUSB. Worst drawdown: DUSB -0.3% vs SCHD -33.4%.
Should I hold both DUSB and SCHD?
DUSB and SCHD have a monthly-return correlation of 0.24, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DUSB and SCHD?
DUSB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 398 unique securities.
Which pays a higher dividend, DUSB or SCHD?
DUSB yields 4.05% while SCHD yields 3.31%, so DUSB currently pays the higher dividend yield.
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