LTTI vs SCHD
LTTI vs SCHD
FT Vest 20+ Year Treasury & Target Income 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 | LTTI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $15M | $103.7B | |
| Dividend Yield | 9.16% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | -3.44% | +24.26% | |
| 1Y Return | -2.34% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 8.0% | 13.6% | |
| Max Drawdown | -9.0% | -33.4% | |
| Fund Family | First Trust Portfolios (US) | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Feb 12, 2025 | Oct 20, 2011 |
LTTI vs SCHD Performance
FT Vest 20+ Year Treasury & Target Income ETF (LTTI) is a ETF from First Trust Portfolios (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LTTI returned -2.34% while SCHD returned +31.38%. Year to date, LTTI is down 3.44% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 8.0% for LTTI. 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 -9.0% for LTTI 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 0.12. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LTTI charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, LTTI currently yields 9.16% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, LTTI or SCHD?
LTTI has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, LTTI or SCHD?
Over the past year LTTI returned -2.34% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), LTTI annualized -1.14% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, LTTI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.0% for LTTI. Worst drawdown: LTTI -9.0% vs SCHD -33.4%.
Should I hold both LTTI and SCHD?
LTTI and SCHD have a monthly-return correlation of 0.12, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, LTTI or SCHD?
LTTI yields 9.16% while SCHD yields 3.31%, so LTTI currently pays the higher dividend yield.
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