LRNZ vs SCHD
TrueShares Technology, AI & Deep Learning ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. LRNZ delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | LRNZ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.06% | |
| AUM | $37M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 21 | 104 | |
| YTD Return | +37.07% | +25.58% | |
| 1Y Return | +53.20% | +31.06% | |
| 3Y Return (annualized) | +29.24% | +15.55% | |
| 5Y Return (annualized) | +7.13% | +9.61% | |
| Volatility (annualized) | 33.6% | 13.6% | |
| Max Drawdown | -61.3% | -33.4% | |
| Fund Family | TrueShares | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 28, 2020 | Oct 20, 2011 |
LRNZ vs SCHD Performance
TrueShares Technology, AI & Deep Learning ETF (LRNZ) is a ETF from TrueShares and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LRNZ returned +53.20% while SCHD returned +31.06%. Year to date, LRNZ is up 37.07% versus a gain of 25.58% for SCHD.
Over three years, LRNZ compounded at +29.24% per year against +15.55% for SCHD; over five years the annualized figures are +7.13% and +9.61% respectively. Across the full 6-year window we track, LRNZ has the edge at +15.60% annualized vs +11.46%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
LRNZ has been the more volatile fund, with annualized monthly volatility of 33.6% 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 -61.3% for LRNZ 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 0.21. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LRNZ charges 0.69% per year while SCHD charges 0.06%. On a $10,000 position that is $69 vs $6 annually, a gap of $63 per year that compounds over a long holding period. On income, LRNZ currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
LRNZ and SCHD share 0 holdings out of 126 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, LRNZ or SCHD?
LRNZ has an expense ratio of 0.69% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, LRNZ or SCHD?
Over the past year LRNZ returned +53.20% vs +31.06% for SCHD, so LRNZ leads on 1-year performance. Over the longest common window we track (6 years), LRNZ annualized +15.60% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, LRNZ or SCHD?
LRNZ has been the more volatile fund at 33.6% annualized versus 13.6% for SCHD. Worst drawdown: LRNZ -61.3% vs SCHD -33.4%.
Should I hold both LRNZ and SCHD?
LRNZ and SCHD have a monthly-return correlation of 0.21, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LRNZ and SCHD?
LRNZ and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 126 unique securities.
Which pays a higher dividend, LRNZ or SCHD?
LRNZ yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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