DXIV vs SCHD
Dimensional International Vector Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. DXIV offers more diversification with 2,695 holdings.
Side-by-Side Comparison
| Metric | DXIV | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $217M | $108.7B | |
| Dividend Yield | 2.36% | 3.13% | |
| Holdings | 2,695 | 104 | |
| YTD Return | +14.89% | +27.67% | |
| 1Y Return | +26.08% | +31.26% | |
| 3Y Return (annualized) | - | +16.66% | |
| 5Y Return (annualized) | - | +10.18% | |
| Volatility (annualized) | 12.2% | 13.6% | |
| Max Drawdown | -13.7% | -33.4% | |
| Fund Family | Dimensional | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Sep 10, 2024 | Oct 20, 2011 |
DXIV vs SCHD Performance
Dimensional International Vector Equity ETF (DXIV) is a ETF from Dimensional and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DXIV returned +26.08% while SCHD returned +31.26%. Year to date, DXIV is up 14.89% versus a gain of 27.67% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.2% for DXIV. 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 -13.7% for DXIV 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DXIV charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, DXIV currently yields 2.36% against 3.13% for SCHD.
Holdings Overlap
DXIV and SCHD share 0 holdings out of 2727 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, DXIV or SCHD?
DXIV has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, DXIV or SCHD?
Over the past year DXIV returned +26.08% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), DXIV annualized +24.96% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, DXIV or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.2% for DXIV. Worst drawdown: DXIV -13.7% vs SCHD -33.4%.
Should I hold both DXIV and SCHD?
DXIV and SCHD have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DXIV and SCHD?
DXIV and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2727 unique securities.
Which pays a higher dividend, DXIV or SCHD?
DXIV yields 2.36% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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