LLDR vs SCHD
Global X Long-Term Treasury Ladder 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 100 holdings.
Side-by-Side Comparison
| Metric | LLDR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.06% | |
| AUM | $38M | $103.7B | |
| Dividend Yield | 4.56% | 3.31% | |
| Holdings | 95 | 104 | |
| YTD Return | -3.21% | +25.33% | |
| 1Y Return | -1.22% | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 9.1% | 13.6% | |
| Max Drawdown | -12.8% | -33.4% | |
| Fund Family | Global X by mirae Asset | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 9, 2024 | Oct 20, 2011 |
LLDR vs SCHD Performance
Global X Long-Term Treasury Ladder ETF (LLDR) is a ETF from Global X by mirae Asset and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LLDR returned -1.22% while SCHD returned +32.31%. Year to date, LLDR is down 3.21% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.1% for LLDR. 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 -12.8% for LLDR 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LLDR charges 0.12% per year while SCHD charges 0.06%. On a $10,000 position that is $12 vs $6 annually, a gap of $6 per year that compounds over a long holding period. On income, LLDR currently yields 4.56% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, LLDR or SCHD?
LLDR has an expense ratio of 0.12% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, LLDR or SCHD?
Over the past year LLDR returned -1.22% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), LLDR annualized -4.67% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, LLDR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.1% for LLDR. Worst drawdown: LLDR -12.8% vs SCHD -33.4%.
Should I hold both LLDR and SCHD?
LLDR and SCHD have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, LLDR or SCHD?
LLDR yields 4.56% while SCHD yields 3.31%, so LLDR currently pays the higher dividend yield.
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