NTSI vs SCHD
NTSI vs SCHD
WisdomTree International Efficient Core Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. NTSI offers more diversification with 443 holdings.
Side-by-Side Comparison
| Metric | NTSI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.26% | 0.06% | |
| AUM | $486M | $103.7B | |
| Dividend Yield | 3.54% | 3.31% | |
| Holdings | 453 | 104 | |
| YTD Return | +11.33% | +24.26% | |
| 1Y Return | +22.45% | +31.38% | |
| 3Y Return (annualized) | +15.80% | +15.08% | |
| 5Y Return (annualized) | +6.37% | +9.72% | |
| Volatility (annualized) | 16.4% | 13.6% | |
| Max Drawdown | -34.0% | -33.4% | |
| Fund Family | WisdomTree Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 18, 2021 | Oct 20, 2011 |
NTSI vs SCHD Performance
WisdomTree International Efficient Core Fund (NTSI) is a ETF from WisdomTree Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year NTSI returned +22.45% while SCHD returned +31.38%. Year to date, NTSI is up 11.33% versus a gain of 24.26% for SCHD.
Over three years, NTSI compounded at +15.80% per year against +15.08% for SCHD; over five years the annualized figures are +6.37% and +9.72% respectively. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +6.61%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
NTSI has been the more volatile fund, with annualized monthly volatility of 16.4% 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 -34.0% for NTSI 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
NTSI charges 0.26% per year while SCHD charges 0.06%. On a $10,000 position that is $26 vs $6 annually, a gap of $20 per year that compounds over a long holding period. On income, NTSI currently yields 3.54% against 3.31% for SCHD.
Holdings Overlap
NTSI and SCHD share 0 holdings out of 543 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, NTSI or SCHD?
NTSI has an expense ratio of 0.26% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $20 per year of difference.
Which performed better, NTSI or SCHD?
Over the past year NTSI returned +22.45% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), NTSI annualized +6.61% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, NTSI or SCHD?
NTSI has been the more volatile fund at 16.4% annualized versus 13.6% for SCHD. Worst drawdown: NTSI -34.0% vs SCHD -33.4%.
Should I hold both NTSI and SCHD?
NTSI and SCHD have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NTSI and SCHD?
NTSI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 543 unique securities.
Which pays a higher dividend, NTSI or SCHD?
NTSI yields 3.54% while SCHD yields 3.31%, so NTSI currently pays the higher dividend yield.
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