EMCR vs SCHD
Xtrackers Emerging Markets Carbon Reduction and Climate Improvers ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. EMCR delivered stronger 1-year returns. EMCR offers more diversification with 1,381 holdings.
Side-by-Side Comparison
| Metric | EMCR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $61M | $108.7B | |
| Dividend Yield | 1.59% | 3.13% | |
| Holdings | 1,381 | 104 | |
| YTD Return | +15.86% | +26.54% | |
| 1Y Return | +31.46% | +30.90% | |
| 3Y Return (annualized) | +22.18% | +16.29% | |
| 5Y Return (annualized) | +8.72% | +9.65% | |
| Volatility (annualized) | 17.0% | 13.6% | |
| Max Drawdown | -34.3% | -33.4% | |
| Fund Family | Xtrackers ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 4, 2018 | Oct 20, 2011 |
EMCR vs SCHD Performance
Xtrackers Emerging Markets Carbon Reduction and Climate Improvers ETF (EMCR) is a ETF from Xtrackers ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EMCR returned +31.46% while SCHD returned +30.90%. Year to date, EMCR is up 15.86% versus a gain of 26.54% for SCHD.
Over three years, EMCR compounded at +22.18% per year against +16.29% for SCHD; over five years the annualized figures are +8.72% and +9.65% respectively. Across the full 8-year window we track, SCHD has the edge at +11.51% annualized vs +10.31%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EMCR has been the more volatile fund, with annualized monthly volatility of 17.0% 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 -34.3% for EMCR 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
EMCR charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, EMCR currently yields 1.59% against 3.13% for SCHD.
Holdings Overlap
EMCR and SCHD share 0 holdings out of 1450 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, EMCR or SCHD?
EMCR has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, EMCR or SCHD?
Over the past year EMCR returned +31.46% vs +30.90% for SCHD, so EMCR leads on 1-year performance. Over the longest common window we track (8 years), EMCR annualized +10.31% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, EMCR or SCHD?
EMCR has been the more volatile fund at 17.0% annualized versus 13.6% for SCHD. Worst drawdown: EMCR -34.3% vs SCHD -33.4%.
Should I hold both EMCR and SCHD?
EMCR 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 EMCR and SCHD?
EMCR and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1450 unique securities.
Which pays a higher dividend, EMCR or SCHD?
EMCR yields 1.59% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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