HART vs SCHD
NYLI Healthy Hearts 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 | HART | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.06% | |
| AUM | $9M | $108.7B | |
| Dividend Yield | 1.62% | 3.13% | |
| Holdings | 71 | 104 | |
| YTD Return | +1.15% | +27.67% | |
| 1Y Return | -4.58% | +31.26% | |
| 3Y Return (annualized) | +5.70% | +16.66% | |
| 5Y Return (annualized) | - | +10.18% | |
| Volatility (annualized) | 13.6% | 13.6% | |
| Max Drawdown | -17.4% | -33.4% | |
| Fund Family | INDEXIQ ETF TRUST | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jan 14, 2021 | Oct 20, 2011 |
HART vs SCHD Performance
NYLI Healthy Hearts ETF (HART) is a ETF from INDEXIQ ETF TRUST and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year HART returned -4.58% while SCHD returned +31.26%. Year to date, HART is up 1.15% versus a gain of 27.67% for SCHD.
Over three years, HART compounded at +5.70% per year against +16.66% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.57% annualized vs +5.88%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.6% for HART. 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 -17.4% for HART 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HART charges 0.45% per year while SCHD charges 0.06%. On a $10,000 position that is $45 vs $6 annually, a gap of $39 per year that compounds over a long holding period. On income, HART currently yields 1.62% against 3.13% for SCHD.
Frequently Asked Questions
Which is cheaper, HART or SCHD?
HART has an expense ratio of 0.45% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $39 per year of difference.
Which performed better, HART or SCHD?
Over the past year HART returned -4.58% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), HART annualized +5.88% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, HART or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.6% for HART. Worst drawdown: HART -17.4% vs SCHD -33.4%.
Should I hold both HART and SCHD?
HART and SCHD have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, HART or SCHD?
HART yields 1.62% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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