EPSV vs SCHD
Harbor SMID Cap Value ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. EPSV delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | EPSV | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.88% | 0.06% | |
| AUM | $6M | $103.7B | |
| Dividend Yield | 2.19% | 3.31% | |
| Holdings | 58 | 104 | |
| YTD Return | +29.32% | +25.62% | |
| 1Y Return | +45.61% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 13.5% | 13.6% | |
| Max Drawdown | -8.9% | -33.4% | |
| Fund Family | Harbor Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 1, 2025 | Oct 20, 2011 |
EPSV vs SCHD Performance
Harbor SMID Cap Value ETF (EPSV) 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 EPSV returned +45.61% while SCHD returned +32.62%. Year to date, EPSV is up 29.32% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.5% for EPSV. 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 -8.9% for EPSV 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 0.47. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EPSV 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, EPSV currently yields 2.19% against 3.31% for SCHD.
Holdings Overlap
EPSV and SCHD share 3 holdings out of 154 unique holdings combined, representing a 1.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EPSV or SCHD?
EPSV 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, EPSV or SCHD?
Over the past year EPSV returned +45.61% vs +32.62% for SCHD, so EPSV leads on 1-year performance. Over the longest common window we track (1 years), EPSV annualized +43.99% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, EPSV or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.5% for EPSV. Worst drawdown: EPSV -8.9% vs SCHD -33.4%.
Should I hold both EPSV and SCHD?
EPSV and SCHD have a monthly-return correlation of 0.47, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EPSV and SCHD?
EPSV and SCHD share 3 common holdings with a 1.2% weight overlap. Combined, they hold 154 unique securities.
Which pays a higher dividend, EPSV or SCHD?
EPSV yields 2.19% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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