LIFT vs SCHD
LifeX 2028 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 | LIFT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $2M | $108.7B | |
| Dividend Yield | 35.61% | 3.13% | |
| Holdings | 29 | 104 | |
| YTD Return | -21.87% | +28.70% | |
| 1Y Return | -20.93% | +32.27% | |
| 3Y Return (annualized) | - | +17.27% | |
| 5Y Return (annualized) | - | +10.23% | |
| Volatility (annualized) | - | 13.7% | |
| Max Drawdown | -22.1% | -33.4% | |
| Fund Family | Stone Ridge Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 24, 2025 | Oct 20, 2011 |
LIFT vs SCHD Performance
LifeX 2028 Income Bucket ETF (LIFT) 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 LIFT returned -20.93% while SCHD returned +32.27%. Year to date, LIFT is down 21.87% versus a gain of 28.70% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -22.1% for LIFT and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
LIFT 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, LIFT currently yields 35.61% against 3.13% for SCHD.
Holdings Overlap
LIFT and SCHD share 0 holdings out of 118 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, LIFT or SCHD?
LIFT 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, LIFT or SCHD?
Over the past year LIFT returned -20.93% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between LIFT and SCHD?
LIFT and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 118 unique securities.
Which pays a higher dividend, LIFT or SCHD?
LIFT yields 35.61% while SCHD yields 3.13%, so LIFT currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.