HRTS vs SCHD
Tema Heart & Health 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 103 holdings.
Side-by-Side Comparison
| Metric | HRTS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.06% | |
| AUM | $56M | $112.2B | |
| Dividend Yield | 1.30% | 3.13% | |
| Holdings | 45 | 103 | |
| YTD Return | +6.90% | +28.33% | |
| 1Y Return | +27.21% | +30.37% | |
| 3Y Return (annualized) | - | +16.64% | |
| 5Y Return (annualized) | - | +10.04% | |
| Volatility (annualized) | 17.2% | 13.6% | |
| Max Drawdown | -24.7% | -33.4% | |
| Fund Family | Tema Global Limited | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 20, 2023 | Oct 20, 2011 |
HRTS vs SCHD Performance
Tema Heart & Health ETF (HRTS) is a ETF from Tema Global Limited and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year HRTS returned +27.21% while SCHD returned +30.37%. Year to date, HRTS is up 6.90% versus a gain of 28.33% for SCHD.
Risk: Volatility and Drawdowns
HRTS has been the more volatile fund, with annualized monthly volatility of 17.2% 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 -24.7% for HRTS 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 0.45. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
HRTS charges 0.75% per year while SCHD charges 0.06%. On a $10,000 position that is $75 vs $6 annually, a gap of $69 per year that compounds over a long holding period. On income, HRTS currently yields 1.30% against 3.13% for SCHD.
Holdings Overlap
HRTS and SCHD share 5 holdings out of 140 unique holdings combined, representing a 14.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, HRTS or SCHD?
HRTS has an expense ratio of 0.75% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, HRTS or SCHD?
Over the past year HRTS returned +27.21% vs +30.37% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), HRTS annualized +15.20% vs +11.58% for SCHD. Past performance does not guarantee future results.
Which is riskier, HRTS or SCHD?
HRTS has been the more volatile fund at 17.2% annualized versus 13.6% for SCHD. Worst drawdown: HRTS -24.7% vs SCHD -33.4%.
Should I hold both HRTS and SCHD?
HRTS and SCHD have a monthly-return correlation of 0.45, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HRTS and SCHD?
HRTS and SCHD share 5 common holdings with a 14.8% weight overlap. Combined, they hold 140 unique securities.
Which pays a higher dividend, HRTS or SCHD?
HRTS yields 1.30% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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