DXYZ vs SCHD
Destiny Tech100 Inc vs Schwab US Dividend Equity ETF
Which is better, DXYZ or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. DXYZ led over the full window, SCHD over 1Y.
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 | DXYZ | SCHD |
|---|---|---|
| Expense Ratio | 6.28% | 0.06%Best |
| AUM | - | $112.1B |
| Dividend Yield | - | 3.00% |
| Holdings | 39 | 103 |
| YTD Return | -2.17% | +25.84%Best |
| 1Y Return | +12.74% | +30.18%Best |
| 3Y Return (annualized) | - | +16.08% |
| 5Y Return (annualized) | - | +9.97% |
| Volatility (annualized) | 199.1% | 13.1%Best |
| Max Drawdown | -90.3% | -16.1%Best |
| $10,000 over 2.5 years | $34,083Best | $14,253 |
| Fund Family | Destiny Advisors | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Mar 26, 2024 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.5 years row, are measured over the window both funds cover: Mar 26, 2024 to Sep 15, 2026 (2.5 years).
DXYZ 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 2.5 years both funds cover.
DXYZ vs SCHD Performance
Destiny Tech100 Inc (DXYZ) is an ETF from Destiny Advisors and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year DXYZ returned +12.74% while SCHD returned +30.18%. Year to date, DXYZ is down 2.17% versus a gain of 25.84% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DXYZ has been the more volatile fund, with annualized monthly volatility of 199.1% compared with 13.1% 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 -90.3% for DXYZ 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 0.13. They move largely independently of each other.
Fees and Cost Over Time
DXYZ charges 6.28% per year while SCHD charges 0.06%. On a $10,000 position that is $628 vs $6 annually, a gap of $622 per year that compounds over a long holding period.
Holdings Overlap
We hold position weights for 6 holdings in DXYZ and 100 in SCHD, totalling 48.1% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 243 days apart, DXYZ as of Dec 31, 2025 and SCHD as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 6 positions we hold weights for in DXYZ and 100 in SCHD, against full books of 39 and 103.
You are not choosing between two funds in isolation.
Whichever of DXYZ 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, DXYZ or SCHD?
DXYZ has an expense ratio of 6.28% while SCHD charges 0.06%. SCHD is the cheaper option, by $622 a year on a $10,000 investment.
Which performed better, DXYZ or SCHD?
Over the past year DXYZ returned +12.74% vs +30.18% 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, DXYZ or SCHD?
DXYZ has been the more volatile fund at 199.1% annualized versus 13.1% for SCHD. Worst drawdown: DXYZ -90.3% vs SCHD -16.1%.
Should I hold both DXYZ and SCHD?
DXYZ and SCHD have a monthly-return correlation of 0.13, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Is SCHD better than DXYZ?
SCHD has a lower expense ratio. DXYZ led over the full window, SCHD over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.