EPIN vs SCHD
Harbor International Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. EPIN delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | EPIN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.06% | |
| AUM | $8M | $103.7B | |
| Dividend Yield | 0.64% | 3.31% | |
| Holdings | 74 | 104 | |
| YTD Return | +24.53% | +25.62% | |
| 1Y Return | +39.74% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 15.5% | 13.6% | |
| Max Drawdown | -11.6% | -33.4% | |
| Fund Family | Harbor Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 4, 2025 | Oct 20, 2011 |
EPIN vs SCHD Performance
Harbor International Equity ETF (EPIN) 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 EPIN returned +39.74% while SCHD returned +32.62%. Year to date, EPIN is up 24.53% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
EPIN has been the more volatile fund, with annualized monthly volatility of 15.5% 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 -11.6% for EPIN 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 0.38. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EPIN charges 0.80% per year while SCHD charges 0.06%. On a $10,000 position that is $80 vs $6 annually, a gap of $74 per year that compounds over a long holding period. On income, EPIN currently yields 0.64% against 3.31% for SCHD.
Holdings Overlap
EPIN and SCHD share 0 holdings out of 160 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, EPIN or SCHD?
EPIN has an expense ratio of 0.80% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $74 per year of difference.
Which performed better, EPIN or SCHD?
Over the past year EPIN returned +39.74% vs +32.62% for SCHD, so EPIN leads on 1-year performance. Over the longest common window we track (1 years), EPIN annualized +37.59% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, EPIN or SCHD?
EPIN has been the more volatile fund at 15.5% annualized versus 13.6% for SCHD. Worst drawdown: EPIN -11.6% vs SCHD -33.4%.
Should I hold both EPIN and SCHD?
EPIN and SCHD have a monthly-return correlation of 0.38, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EPIN and SCHD?
EPIN and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 160 unique securities.
Which pays a higher dividend, EPIN or SCHD?
EPIN yields 0.64% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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