HRTS vs SCHD
Tema Heart & Health ETF vs Schwab US Dividend Equity ETF
Which is better, HRTS or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 47.9%.
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 | HRTS | SCHD |
|---|---|---|
| Expense Ratio | 0.75% | 0.06%Best |
| AUM | $56M | $112.1B |
| Dividend Yield | 1.27% | 3.00% |
| Holdings | 45 | 103 |
| YTD Return | +3.32% | +23.68%Best |
| 1Y Return | +21.31% | +28.36%Best |
| 3Y Return (annualized) | - | +16.20% |
| 5Y Return (annualized) | - | +10.07% |
| Volatility (annualized) | 17.3% | 13.0%Best |
| Max Drawdown | -24.7% | -16.1%Best |
| $10,000 over 2.8 years | $14,259 | $15,622Best |
| Top 10 Weight | 47.9% | 41.8%Best |
| Fund Family | Tema Global Limited | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Nov 20, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 2.8 years row, are measured over the window both funds cover: Nov 21, 2023 to Sep 22, 2026 (2.8 years).
HRTS 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 2.8 years both funds cover.
HRTS vs SCHD Performance
Tema Heart & Health ETF (HRTS) is an ETF from Tema Global Limited and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year HRTS returned +21.31% while SCHD returned +28.36%. Year to date, HRTS is up 3.32% versus a gain of 23.68% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HRTS has been the more volatile fund, with annualized monthly volatility of 17.3% compared with 13.0% 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 -16.1% 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 0.47. They move together some of the time, and apart the rest.
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 1.27% against 3.00% for SCHD.
Holdings Overlap
16.0% of HRTS's money is in holdings SCHD also owns. 21.3% of SCHD's money is in holdings HRTS also owns.
SCHD and HRTS share little of their money.
5 positions in common, counted across the 45 positions we hold weights for in HRTS and 100 in SCHD, against full books of 45 and 103.
What only one of them owns
Our book lists 94 positions for SCHD that do not appear in our book for HRTS (78.6% of the fund), and 31 for HRTS that do not appear in SCHD (65.5%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
21.3% of SCHD is already inside HRTS.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $69 a year on a $10,000 investment.
Which performed better, HRTS or SCHD?
Over the past year HRTS returned +21.31% vs +28.36% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, HRTS or SCHD?
HRTS has been the more volatile fund at 17.3% annualized versus 13.0% for SCHD. Worst drawdown: HRTS -24.7% vs SCHD -16.1%.
Should I hold both HRTS and SCHD?
HRTS and SCHD have a monthly-return correlation of 0.47, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between HRTS and SCHD?
21.3% of SCHD's money is in holdings HRTS also owns. 21.3% of SCHD's is in holdings HRTS also owns. They hold 5 positions in common, counted across the 45 positions we hold weights for in HRTS and 100 in SCHD.
Which pays a higher dividend, HRTS or SCHD?
HRTS yields 1.27% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than HRTS?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 47.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.