HERZ vs SCHD
Herzfeld Caribbean Basin Fund Inc vs Schwab US Dividend Equity ETF
Which is better, HERZ or SCHD?
Mid Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | HERZ | SCHD |
|---|---|---|
| Expense Ratio | 3.45% | 0.06%Best |
| AUM | - | $112.1B |
| Dividend Yield | - | 3.00% |
| Holdings | 29 | 103 |
| YTD Return | -22.19% | +24.59%Best |
| 1Y Return | -5.35% | +28.14%Best |
| 3Y Return (annualized) | +0.93% | +15.58%Best |
| 5Y Return (annualized) | -3.25% | +9.90%Best |
| Volatility (annualized) | 30.4% | 13.6%Best |
| Max Drawdown | -81.1% | -33.4%Best |
| $10,000 over 5 years | $8,477 | $16,032Best |
| Fund Family | Herzfeld-Cuba | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Value |
| Inception | May 20, 1994 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 10, 2026 (14.9 years).
HERZ vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 14.9 years both funds cover.
HERZ vs SCHD Performance
Herzfeld Caribbean Basin Fund Inc (HERZ) is an ETF from Herzfeld-Cuba and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year HERZ returned -5.35% while SCHD returned +28.14%. Year to date, HERZ is down 22.19% versus a gain of 24.59% for SCHD.
Over three years, HERZ compounded at +0.93% per year against +15.58% for SCHD; over five years the annualized figures are -3.25% and +9.90% respectively. Across the full 15-year window we track, SCHD has the edge at +11.34% annualized vs -1.01%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HERZ has been the more volatile fund, with annualized monthly volatility of 30.4% compared with 13.6% 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 -81.1% for HERZ and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.48. They move together some of the time, and apart the rest.
Fees and Cost Over Time
HERZ charges 3.45% per year while SCHD charges 0.06%. On a $10,000 position that is $345 vs $6 annually, a gap of $339 per year that compounds over a long holding period.
Holdings Overlap
We hold position weights for 19 holdings in HERZ and 100 in SCHD, totalling 89.4% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 243 days apart, HERZ as of Dec 31, 2025 and SCHD as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 19 positions we hold weights for in HERZ and 100 in SCHD, against full books of 29 and 103.
You are not choosing between two funds in isolation.
Whichever of HERZ and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, HERZ or SCHD?
HERZ has an expense ratio of 3.45% while SCHD charges 0.06%. SCHD is the cheaper option, by $339 a year on a $10,000 investment.
Which performed better, HERZ or SCHD?
Over the past year HERZ returned -5.35% vs +28.14% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), HERZ annualized -1.01% vs +11.34% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, HERZ or SCHD?
HERZ has been the more volatile fund at 30.4% annualized versus 13.6% for SCHD. Worst drawdown: HERZ -81.1% vs SCHD -33.4%.
Should I hold both HERZ and SCHD?
HERZ and SCHD have a monthly-return correlation of 0.48, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Is SCHD better than HERZ?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.