HYIN vs SCHD
WisdomTree Private Credit & Alternative Income Fund 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 | HYIN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 4.34% | 0.06% | |
| AUM | $53M | $108.7B | |
| Dividend Yield | 13.56% | 3.13% | |
| Holdings | 33 | 104 | |
| YTD Return | -10.89% | +27.67% | |
| 1Y Return | -14.35% | +31.26% | |
| 3Y Return (annualized) | +0.89% | +16.66% | |
| 5Y Return (annualized) | -1.66% | +10.18% | |
| Volatility (annualized) | 18.1% | 13.6% | |
| Max Drawdown | -31.1% | -33.4% | |
| Fund Family | WisdomTree Investments | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | May 6, 2021 | Oct 20, 2011 |
HYIN vs SCHD Performance
WisdomTree Private Credit & Alternative Income Fund (HYIN) is a ETF from WisdomTree Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year HYIN returned -14.35% while SCHD returned +31.26%. Year to date, HYIN is down 10.89% versus a gain of 27.67% for SCHD.
Over three years, HYIN compounded at +0.89% per year against +16.66% for SCHD; over five years the annualized figures are -1.66% and +10.18% respectively. Across the full 5-year window we track, SCHD has the edge at +11.57% annualized vs -1.18%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HYIN has been the more volatile fund, with annualized monthly volatility of 18.1% 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 -31.1% for HYIN 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
HYIN charges 4.34% per year while SCHD charges 0.06%. On a $10,000 position that is $434 vs $6 annually, a gap of $428 per year that compounds over a long holding period. On income, HYIN currently yields 13.56% against 3.13% for SCHD.
Holdings Overlap
HYIN and SCHD share 0 holdings out of 131 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, HYIN or SCHD?
HYIN has an expense ratio of 4.34% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $428 per year of difference.
Which performed better, HYIN or SCHD?
Over the past year HYIN returned -14.35% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), HYIN annualized -1.18% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, HYIN or SCHD?
HYIN has been the more volatile fund at 18.1% annualized versus 13.6% for SCHD. Worst drawdown: HYIN -31.1% vs SCHD -33.4%.
Should I hold both HYIN and SCHD?
HYIN and SCHD have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HYIN and SCHD?
HYIN and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 131 unique securities.
Which pays a higher dividend, HYIN or SCHD?
HYIN yields 13.56% while SCHD yields 3.13%, so HYIN currently pays the higher dividend yield.
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