HOMZ vs SCHD
Hoya Capital Housing 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 | HOMZ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $36M | $108.7B | |
| Dividend Yield | 2.66% | 3.13% | |
| Holdings | 97 | 104 | |
| YTD Return | +2.43% | +28.70% | |
| 1Y Return | +1.28% | +32.27% | |
| 3Y Return (annualized) | +9.88% | +17.27% | |
| 5Y Return (annualized) | +4.50% | +10.23% | |
| Volatility (annualized) | 24.4% | 13.7% | |
| Max Drawdown | -48.2% | -33.4% | |
| Fund Family | Hoya Capital Real Estate, LLC | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Mar 19, 2019 | Oct 20, 2011 |
HOMZ vs SCHD Performance
Hoya Capital Housing ETF (HOMZ) is a ETF from Hoya Capital Real Estate, LLC and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year HOMZ returned +1.28% while SCHD returned +32.27%. Year to date, HOMZ is up 2.43% versus a gain of 28.70% for SCHD.
Over three years, HOMZ compounded at +9.88% per year against +17.27% for SCHD; over five years the annualized figures are +4.50% and +10.23% respectively. Across the full 7-year window we track, SCHD has the edge at +11.63% annualized vs +10.34%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HOMZ has been the more volatile fund, with annualized monthly volatility of 24.4% 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 -48.2% for HOMZ 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HOMZ charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, HOMZ currently yields 2.66% against 3.13% for SCHD.
Holdings Overlap
HOMZ and SCHD share 4 holdings out of 196 unique holdings combined, representing a 3.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, HOMZ or SCHD?
HOMZ has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, HOMZ or SCHD?
Over the past year HOMZ returned +1.28% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), HOMZ annualized +10.34% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, HOMZ or SCHD?
HOMZ has been the more volatile fund at 24.4% annualized versus 13.7% for SCHD. Worst drawdown: HOMZ -48.2% vs SCHD -33.4%.
Should I hold both HOMZ and SCHD?
HOMZ and SCHD have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HOMZ and SCHD?
HOMZ and SCHD share 4 common holdings with a 3.9% weight overlap. Combined, they hold 196 unique securities.
Which pays a higher dividend, HOMZ or SCHD?
HOMZ yields 2.66% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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