KIE vs SCHD
State Street SPDR S&P Insurance 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 104 holdings.
Side-by-Side Comparison
| Metric | KIE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $710M | $108.7B | |
| Dividend Yield | 1.52% | 3.13% | |
| Holdings | 55 | 104 | |
| YTD Return | +7.51% | +28.70% | |
| 1Y Return | +9.43% | +32.27% | |
| 3Y Return (annualized) | +16.94% | +17.27% | |
| 5Y Return (annualized) | +11.75% | +10.23% | |
| Volatility (annualized) | 21.0% | 13.7% | |
| Max Drawdown | -76.2% | -33.4% | |
| Fund Family | State Street Investment Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 8, 2005 | Oct 20, 2011 |
KIE vs SCHD Performance
State Street SPDR S&P Insurance ETF (KIE) is a ETF from State Street Investment Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year KIE returned +9.43% while SCHD returned +32.27%. Year to date, KIE is up 7.51% versus a gain of 28.70% for SCHD.
Over three years, KIE compounded at +16.94% per year against +17.27% for SCHD; over five years the annualized figures are +11.75% and +10.23% respectively. Across the full 15-year window we track, SCHD has the edge at +11.63% annualized vs +6.81%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
KIE has been the more volatile fund, with annualized monthly volatility of 21.0% compared with 13.7% 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 -76.2% for KIE 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
KIE charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, KIE currently yields 1.52% against 3.13% for SCHD.
Holdings Overlap
KIE and SCHD share 6 holdings out of 148 unique holdings combined, representing a 2.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, KIE or SCHD?
KIE has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, KIE or SCHD?
Over the past year KIE returned +9.43% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), KIE annualized +6.81% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, KIE or SCHD?
KIE has been the more volatile fund at 21.0% annualized versus 13.7% for SCHD. Worst drawdown: KIE -76.2% vs SCHD -33.4%.
Should I hold both KIE and SCHD?
KIE and SCHD have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between KIE and SCHD?
KIE and SCHD share 6 common holdings with a 2.2% weight overlap. Combined, they hold 148 unique securities.
Which pays a higher dividend, KIE or SCHD?
KIE yields 1.52% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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