DXYZ vs SCHD
Destiny Tech100 Inc vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | DXYZ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 6.28% | 0.06% | |
| AUM | - | $108.7B | |
| Dividend Yield | - | 3.13% | |
| Holdings | 39 | 104 | |
| YTD Return | +12.03% | +27.67% | |
| 1Y Return | +28.52% | +31.26% | |
| 3Y Return (annualized) | - | +16.66% | |
| 5Y Return (annualized) | - | +10.18% | |
| Volatility (annualized) | 203.2% | 13.6% | |
| Max Drawdown | -90.3% | -33.4% | |
| Fund Family | Destiny Advisors | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Mar 26, 2024 | Oct 20, 2011 |
DXYZ vs SCHD Performance
Destiny Tech100 Inc (DXYZ) is a ETF from Destiny Advisors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DXYZ returned +28.52% while SCHD returned +31.26%. Year to date, DXYZ is up 12.03% versus a gain of 27.67% for SCHD.
Risk: Volatility and Drawdowns
DXYZ has been the more volatile fund, with annualized monthly volatility of 203.2% 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 -90.3% for DXYZ 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 0.13. They move independently enough that combining them can meaningfully diversify a portfolio.
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
DXYZ and SCHD share 0 holdings out of 106 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, DXYZ or SCHD?
DXYZ has an expense ratio of 6.28% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $622 per year of difference.
Which performed better, DXYZ or SCHD?
Over the past year DXYZ returned +28.52% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), DXYZ annualized +75.32% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, DXYZ or SCHD?
DXYZ has been the more volatile fund at 203.2% annualized versus 13.6% for SCHD. Worst drawdown: DXYZ -90.3% vs SCHD -33.4%.
Should I hold both DXYZ and SCHD?
DXYZ and SCHD have a monthly-return correlation of 0.13, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DXYZ and SCHD?
DXYZ and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 106 unique securities.
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