EIC vs SCHD
Eagle Point Income Co Inc vs Schwab US Dividend Equity ETF
Which is better, EIC or SCHD?
High Yield Bond against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
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 | EIC | SCHD |
|---|---|---|
| Expense Ratio | 7.19% | 0.06%Best |
| AUM | $23M | $112.1B |
| Dividend Yield | 11.22% | 3.00% |
| Holdings | 150 | 103 |
| YTD Return | -6.59% | +24.23%Best |
| 1Y Return | -16.04% | +27.90%Best |
| 3Y Return (annualized) | +1.09% | +15.55%Best |
| 5Y Return (annualized) | +1.80% | +9.97%Best |
| Volatility (annualized) | 24.2% | 16.3%Best |
| Max Drawdown | -68.9% | -33.4%Best |
| $10,000 over 5 years | $10,933 | $16,083Best |
| Fund Family | Eagle Point Credit Company | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Value |
| Inception | Jul 23, 2019 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jul 24, 2019 to Sep 17, 2026 (7.2 years).
EIC 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 7.2 years both funds cover.
EIC vs SCHD Performance
Eagle Point Income Co Inc (EIC) is an ETF from Eagle Point Credit Company and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year EIC returned -16.04% while SCHD returned +27.90%. Year to date, EIC is down 6.59% versus a gain of 24.23% for SCHD.
Over three years, EIC compounded at +1.09% per year against +15.55% for SCHD; over five years the annualized figures are +1.80% and +9.97% respectively. Across the full 7-year window we track, SCHD has the edge at +11.99% annualized vs -0.11%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EIC has been the more volatile fund, with annualized monthly volatility of 24.2% compared with 16.3% 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 -68.9% for EIC and -33.4% 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 0.27. They move largely independently of each other.
Fees and Cost Over Time
EIC charges 7.19% per year while SCHD charges 0.06%. On a $10,000 position that is $719 vs $6 annually, a gap of $713 per year that compounds over a long holding period. On income, EIC currently yields 11.22% against 3.00% for SCHD.
You are not choosing between two funds in isolation.
Whichever of EIC 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, EIC or SCHD?
EIC has an expense ratio of 7.19% while SCHD charges 0.06%. SCHD is the cheaper option, by $713 a year on a $10,000 investment.
Which performed better, EIC or SCHD?
Over the past year EIC returned -16.04% vs +27.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), EIC annualized -0.11% vs +11.99% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, EIC or SCHD?
EIC has been the more volatile fund at 24.2% annualized versus 16.3% for SCHD. Worst drawdown: EIC -68.9% vs SCHD -33.4%.
Should I hold both EIC and SCHD?
EIC and SCHD have a monthly-return correlation of 0.27, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, EIC or SCHD?
EIC yields 11.22% while SCHD yields 3.00%, so EIC currently pays the higher dividend yield.
Is SCHD better than EIC?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.