HTD vs SCHD
John Hancock Tax-Advantaged Dividend Income Fund vs Schwab US Dividend Equity ETF
Which is better, HTD or SCHD?
Equity-oriented Balanced against Large Cap Value.
SCHD has a lower expense ratio. HTD led over 3Y, SCHD over 1Y, 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 | HTD | SCHD |
|---|---|---|
| Expense Ratio | 1.96% | 0.06%Best |
| AUM | $917M | $112.2B |
| Dividend Yield | 7.17% | 3.13% |
| Holdings | 124 | 103 |
| YTD Return | +11.11% | +27.56%Best |
| 1Y Return | +10.93% | +30.29%Best |
| 3Y Return (annualized) | +18.98%Best | +16.37% |
| 5Y Return (annualized) | +8.31% | +10.23%Best |
| Volatility (annualized) | 17.0% | 13.6%Best |
| Max Drawdown | -57.6% | -33.4%Best |
| $10,000 over 5 years | $14,905 | $16,274Best |
| Fund Family | John Hancock Investment Management | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Value |
| Inception | Feb 27, 2004 | 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 4, 2026 (14.9 years).
HTD 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.
HTD vs SCHD Performance
John Hancock Tax-Advantaged Dividend Income Fund (HTD) is an ETF from John Hancock Investment Management and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year HTD returned +10.93% while SCHD returned +30.29%. Year to date, HTD is up 11.11% versus a gain of 27.56% for SCHD.
Over three years, HTD compounded at +18.98% per year against +16.37% for SCHD; over five years the annualized figures are +8.31% and +10.23% respectively. Across the full 15-year window we track, SCHD has the edge at +11.53% annualized vs +5.86%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HTD has been the more volatile fund, with annualized monthly volatility of 17.0% 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 -57.6% for HTD 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HTD charges 1.96% per year while SCHD charges 0.06%. On a $10,000 position that is $196 vs $6 annually, a gap of $190 per year that compounds over a long holding period. On income, HTD currently yields 7.17% against 3.13% for SCHD.
Holdings Overlap
At least 7.4% of SCHD's money is in holdings HTD also owns.
Only one direction is shown: for HTD, our book for it lists positions totalling 109.3% of the fund, which is what a leveraged book looks like and is not a denominator we can divide by.
SCHD and HTD share little of their money.
The two holdings books were reported 219 days apart, HTD as of Dec 31, 2025 and SCHD as of Aug 7, 2026, so some of the difference between them is the time between the two reports rather than the funds.
5 positions in common, counted across the 73 positions we hold weights for in HTD and 100 in SCHD, against full books of 124 and 103.
You are not choosing between two funds in isolation.
Whichever of HTD 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, HTD or SCHD?
HTD has an expense ratio of 1.96% while SCHD charges 0.06%. SCHD is the cheaper option, by $190 a year on a $10,000 investment.
Which performed better, HTD or SCHD?
Over the past year HTD returned +10.93% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), HTD annualized +5.86% vs +11.53% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, HTD or SCHD?
HTD has been the more volatile fund at 17.0% annualized versus 13.6% for SCHD. Worst drawdown: HTD -57.6% vs SCHD -33.4%.
Should I hold both HTD and SCHD?
HTD and SCHD have a monthly-return correlation of 0.72, 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 HTD and SCHD?
At least 7.4% of SCHD's money is in holdings HTD also owns. Our book for HTD is partial, so the real figure is this or higher. They hold 5 positions in common, counted across the 73 positions we hold weights for in HTD and 100 in SCHD.
Which pays a higher dividend, HTD or SCHD?
HTD yields 7.17% while SCHD yields 3.13%, so HTD currently pays the higher dividend yield.
Is SCHD better than HTD?
SCHD has a lower expense ratio. HTD led over 3Y, SCHD over 1Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.