LDDR vs SCHD
LifeX 2035 Income Bucket 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 | LDDR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $41M | $108.7B | |
| Dividend Yield | 12.84% | 3.13% | |
| Holdings | 42 | 104 | |
| YTD Return | -7.90% | +27.67% | |
| 1Y Return | -6.52% | +29.56% | |
| 3Y Return (annualized) | - | +16.53% | |
| 5Y Return (annualized) | - | +9.95% | |
| Volatility (annualized) | 4.2% | 13.6% | |
| Max Drawdown | -8.6% | -33.4% | |
| Fund Family | Stone Ridge Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 6, 2025 | Oct 20, 2011 |
LDDR vs SCHD Performance
LifeX 2035 Income Bucket ETF (LDDR) is a ETF from Stone Ridge Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LDDR returned -6.52% while SCHD returned +29.56%. Year to date, LDDR is down 7.90% versus a gain of 27.67% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.2% for LDDR. 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 -8.6% for LDDR 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 -0.05. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDDR charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, LDDR currently yields 12.84% against 3.13% for SCHD.
Holdings Overlap
LDDR and SCHD share 0 holdings out of 128 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, LDDR or SCHD?
LDDR has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, LDDR or SCHD?
Over the past year LDDR returned -6.52% vs +29.56% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), LDDR annualized -1.06% vs +11.55% for SCHD. Past performance does not guarantee future results.
Which is riskier, LDDR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.2% for LDDR. Worst drawdown: LDDR -8.6% vs SCHD -33.4%.
Should I hold both LDDR and SCHD?
LDDR and SCHD have a monthly-return correlation of -0.05, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDDR and SCHD?
LDDR and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 128 unique securities.
Which pays a higher dividend, LDDR or SCHD?
LDDR yields 12.84% while SCHD yields 3.13%, so LDDR currently pays the higher dividend yield.
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