HSBH vs SCHD
HSBC Holdings PLC ADRhedged vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. HSBH delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | HSBH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.19% | 0.06% | |
| AUM | $1M | $103.7B | |
| Dividend Yield | 2.38% | 3.31% | |
| Holdings | 2 | 104 | |
| YTD Return | +31.79% | +25.58% | |
| 1Y Return | +64.92% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | 18.0% | 13.6% | |
| Max Drawdown | -20.7% | -33.4% | |
| Fund Family | ADRH | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Oct 1, 2024 | Oct 20, 2011 |
HSBH vs SCHD Performance
HSBC Holdings PLC ADRhedged (HSBH) is a ETF from ADRH and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year HSBH returned +64.92% while SCHD returned +31.06%. Year to date, HSBH is up 31.79% versus a gain of 25.58% for SCHD.
Risk: Volatility and Drawdowns
HSBH has been the more volatile fund, with annualized monthly volatility of 18.0% 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 -20.7% for HSBH 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
HSBH charges 0.19% per year while SCHD charges 0.06%. On a $10,000 position that is $19 vs $6 annually, a gap of $13 per year that compounds over a long holding period. On income, HSBH currently yields 2.38% against 3.31% for SCHD.
Holdings Overlap
HSBH and SCHD share 0 holdings out of 101 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, HSBH or SCHD?
HSBH has an expense ratio of 0.19% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, HSBH or SCHD?
Over the past year HSBH returned +64.92% vs +31.06% for SCHD, so HSBH leads on 1-year performance. Over the longest common window we track (2 years), HSBH annualized +59.36% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, HSBH or SCHD?
HSBH has been the more volatile fund at 18.0% annualized versus 13.6% for SCHD. Worst drawdown: HSBH -20.7% vs SCHD -33.4%.
Should I hold both HSBH and SCHD?
HSBH and SCHD have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HSBH and SCHD?
HSBH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, HSBH or SCHD?
HSBH yields 2.38% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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