EPSB vs SCHD
Harbor SMID Cap Core ETF 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 | EPSB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.88% | 0.06% | |
| AUM | $5M | $108.7B | |
| Dividend Yield | 1.13% | 3.13% | |
| Holdings | 58 | 104 | |
| YTD Return | +18.00% | +27.93% | |
| 1Y Return | +21.42% | +30.06% | |
| 3Y Return (annualized) | - | +16.25% | |
| 5Y Return (annualized) | - | +10.03% | |
| Volatility (annualized) | 13.1% | 13.6% | |
| Max Drawdown | -8.5% | -33.4% | |
| Fund Family | Harbor Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 1, 2025 | Oct 20, 2011 |
EPSB vs SCHD Performance
Harbor SMID Cap Core ETF (EPSB) 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 EPSB returned +21.42% while SCHD returned +30.06%. Year to date, EPSB is up 18.00% versus a gain of 27.93% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.1% for EPSB. 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 -8.5% for EPSB 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EPSB charges 0.88% per year while SCHD charges 0.06%. On a $10,000 position that is $88 vs $6 annually, a gap of $82 per year that compounds over a long holding period. On income, EPSB currently yields 1.13% against 3.13% for SCHD.
Holdings Overlap
EPSB and SCHD share 4 holdings out of 153 unique holdings combined, representing a 1.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EPSB or SCHD?
EPSB has an expense ratio of 0.88% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, EPSB or SCHD?
Over the past year EPSB returned +21.42% vs +30.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), EPSB annualized +26.15% vs +11.56% for SCHD. Past performance does not guarantee future results.
Which is riskier, EPSB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.1% for EPSB. Worst drawdown: EPSB -8.5% vs SCHD -33.4%.
Should I hold both EPSB and SCHD?
EPSB and SCHD have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EPSB and SCHD?
EPSB and SCHD share 4 common holdings with a 1.6% weight overlap. Combined, they hold 153 unique securities.
Which pays a higher dividend, EPSB or SCHD?
EPSB yields 1.13% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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