EFU vs SCHD
ProShares UltraShort MSCI EAFE 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 | EFU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.95% | 0.06% | |
| AUM | $1M | $108.7B | |
| Dividend Yield | 5.17% | 3.13% | |
| Holdings | 5 | 104 | |
| YTD Return | -22.12% | +27.93% | |
| 1Y Return | -30.81% | +30.06% | |
| 3Y Return (annualized) | -26.49% | +16.25% | |
| 5Y Return (annualized) | -16.87% | +10.03% | |
| Volatility (annualized) | 33.3% | 13.6% | |
| Max Drawdown | -99.5% | -33.4% | |
| Fund Family | ProShares | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Oct 23, 2007 | Oct 20, 2011 |
EFU vs SCHD Performance
ProShares UltraShort MSCI EAFE (EFU) is a ETF from ProShares and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EFU returned -30.81% while SCHD returned +30.06%. Year to date, EFU is down 22.12% versus a gain of 27.93% for SCHD.
Over three years, EFU compounded at -26.49% per year against +16.25% for SCHD; over five years the annualized figures are -16.87% and +10.03% respectively. Across the full 15-year window we track, SCHD has the edge at +11.56% annualized vs -20.32%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EFU has been the more volatile fund, with annualized monthly volatility of 33.3% 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 -99.5% for EFU 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 -0.75. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EFU charges 0.95% per year while SCHD charges 0.06%. On a $10,000 position that is $95 vs $6 annually, a gap of $89 per year that compounds over a long holding period. On income, EFU currently yields 5.17% against 3.13% for SCHD.
Frequently Asked Questions
Which is cheaper, EFU or SCHD?
EFU has an expense ratio of 0.95% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $89 per year of difference.
Which performed better, EFU or SCHD?
Over the past year EFU returned -30.81% vs +30.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), EFU annualized -20.32% vs +11.56% for SCHD. Past performance does not guarantee future results.
Which is riskier, EFU or SCHD?
EFU has been the more volatile fund at 33.3% annualized versus 13.6% for SCHD. Worst drawdown: EFU -99.5% vs SCHD -33.4%.
Should I hold both EFU and SCHD?
EFU and SCHD have a monthly-return correlation of -0.75, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, EFU or SCHD?
EFU yields 5.17% while SCHD yields 3.13%, so EFU currently pays the higher dividend yield.
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