EBIT vs SCHD
Harbor AlphaEdge Small Cap Earners ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. EBIT offers more diversification with 642 holdings.
Side-by-Side Comparison
| Metric | EBIT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.06% | |
| AUM | $12M | $108.7B | |
| Dividend Yield | 1.68% | 3.13% | |
| Holdings | 642 | 104 | |
| YTD Return | +20.91% | +26.54% | |
| 1Y Return | +25.61% | +30.90% | |
| 3Y Return (annualized) | - | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 15.8% | 13.6% | |
| Max Drawdown | -26.6% | -33.4% | |
| Fund Family | Harbor Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jul 8, 2024 | Oct 20, 2011 |
EBIT vs SCHD Performance
Harbor AlphaEdge Small Cap Earners ETF (EBIT) is a ETF from Harbor Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EBIT returned +25.61% while SCHD returned +30.90%. Year to date, EBIT is up 20.91% versus a gain of 26.54% for SCHD.
Risk: Volatility and Drawdowns
EBIT has been the more volatile fund, with annualized monthly volatility of 15.8% 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 -26.6% for EBIT 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EBIT charges 0.29% per year while SCHD charges 0.06%. On a $10,000 position that is $29 vs $6 annually, a gap of $23 per year that compounds over a long holding period. On income, EBIT currently yields 1.68% against 3.13% for SCHD.
Holdings Overlap
EBIT and SCHD share 13 holdings out of 728 unique holdings combined, representing a 0.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EBIT or SCHD?
EBIT has an expense ratio of 0.29% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $23 per year of difference.
Which performed better, EBIT or SCHD?
Over the past year EBIT returned +25.61% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), EBIT annualized +17.64% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, EBIT or SCHD?
EBIT has been the more volatile fund at 15.8% annualized versus 13.6% for SCHD. Worst drawdown: EBIT -26.6% vs SCHD -33.4%.
Should I hold both EBIT and SCHD?
EBIT and SCHD have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EBIT and SCHD?
EBIT and SCHD share 13 common holdings with a 0.7% weight overlap. Combined, they hold 728 unique securities.
Which pays a higher dividend, EBIT or SCHD?
EBIT yields 1.68% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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