GENZ vs SCHD
VanEck Digital Native Economy 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 | GENZ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.51% | 0.06% | |
| AUM | $17M | $108.7B | |
| Dividend Yield | 3.54% | 3.13% | |
| Holdings | 40 | 104 | |
| YTD Return | -2.65% | +28.63% | |
| 1Y Return | -8.86% | +32.53% | |
| 3Y Return (annualized) | +0.60% | +16.97% | |
| 5Y Return (annualized) | -1.38% | +10.47% | |
| Volatility (annualized) | 26.3% | 13.7% | |
| Max Drawdown | -71.1% | -33.4% | |
| Fund Family | VanEck | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jan 22, 2008 | Oct 20, 2011 |
GENZ vs SCHD Performance
VanEck Digital Native Economy ETF (GENZ) is a ETF from VanEck and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GENZ returned -8.86% while SCHD returned +32.53%. Year to date, GENZ is down 2.65% versus a gain of 28.63% for SCHD.
Over three years, GENZ compounded at +0.60% per year against +16.97% for SCHD; over five years the annualized figures are -1.38% and +10.47% respectively. Across the full 15-year window we track, SCHD has the edge at +11.63% annualized vs +2.22%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
GENZ has been the more volatile fund, with annualized monthly volatility of 26.3% compared with 13.7% 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 -71.1% for GENZ 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GENZ charges 0.51% per year while SCHD charges 0.06%. On a $10,000 position that is $51 vs $6 annually, a gap of $45 per year that compounds over a long holding period. On income, GENZ currently yields 3.54% against 3.13% for SCHD.
Holdings Overlap
GENZ and SCHD share 0 holdings out of 136 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, GENZ or SCHD?
GENZ has an expense ratio of 0.51% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $45 per year of difference.
Which performed better, GENZ or SCHD?
Over the past year GENZ returned -8.86% vs +32.53% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), GENZ annualized +2.22% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, GENZ or SCHD?
GENZ has been the more volatile fund at 26.3% annualized versus 13.7% for SCHD. Worst drawdown: GENZ -71.1% vs SCHD -33.4%.
Should I hold both GENZ and SCHD?
GENZ and SCHD have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GENZ and SCHD?
GENZ and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 136 unique securities.
Which pays a higher dividend, GENZ or SCHD?
GENZ yields 3.54% while SCHD yields 3.13%, so GENZ currently pays the higher dividend yield.
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