HAUZ vs SCHD
Xtrackers International Real Estate ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. HAUZ offers more diversification with 418 holdings.
Side-by-Side Comparison
| Metric | HAUZ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.06% | |
| AUM | $1.1B | $108.7B | |
| Dividend Yield | 3.50% | 3.13% | |
| Holdings | 418 | 104 | |
| YTD Return | -0.13% | +28.70% | |
| 1Y Return | +1.71% | +32.27% | |
| 3Y Return (annualized) | +9.40% | +17.27% | |
| 5Y Return (annualized) | -0.87% | +10.23% | |
| Volatility (annualized) | 16.2% | 13.7% | |
| Max Drawdown | -41.7% | -33.4% | |
| Fund Family | Xtrackers ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 1, 2013 | Oct 20, 2011 |
HAUZ vs SCHD Performance
Xtrackers International Real Estate ETF (HAUZ) is a ETF from Xtrackers ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year HAUZ returned +1.71% while SCHD returned +32.27%. Year to date, HAUZ is down 0.13% versus a gain of 28.70% for SCHD.
Over three years, HAUZ compounded at +9.40% per year against +17.27% for SCHD; over five years the annualized figures are -0.87% and +10.23% respectively. Across the full 13-year window we track, SCHD has the edge at +11.63% annualized vs +0.91%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HAUZ has been the more volatile fund, with annualized monthly volatility of 16.2% 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 -41.7% for HAUZ 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HAUZ charges 0.10% per year while SCHD charges 0.06%. On a $10,000 position that is $10 vs $6 annually, a gap of $4 per year that compounds over a long holding period. On income, HAUZ currently yields 3.50% against 3.13% for SCHD.
Holdings Overlap
HAUZ and SCHD share 0 holdings out of 508 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, HAUZ or SCHD?
HAUZ has an expense ratio of 0.10% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, HAUZ or SCHD?
Over the past year HAUZ returned +1.71% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), HAUZ annualized +0.91% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, HAUZ or SCHD?
HAUZ has been the more volatile fund at 16.2% annualized versus 13.7% for SCHD. Worst drawdown: HAUZ -41.7% vs SCHD -33.4%.
Should I hold both HAUZ and SCHD?
HAUZ and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HAUZ and SCHD?
HAUZ and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 508 unique securities.
Which pays a higher dividend, HAUZ or SCHD?
HAUZ yields 3.50% while SCHD yields 3.13%, so HAUZ currently pays the higher dividend yield.
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