NXP vs SCHD
Nuveen Select Tax Free Income Portfolio vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. NXP offers more diversification with 196 holdings.
Side-by-Side Comparison
| Metric | NXP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.24% | 0.06% | |
| AUM | - | $103.7B | |
| Dividend Yield | 4.44% | 3.31% | |
| Holdings | 433 | 104 | |
| YTD Return | +4.25% | +24.26% | |
| 1Y Return | +6.59% | +31.38% | |
| 3Y Return (annualized) | +4.20% | +15.08% | |
| 5Y Return (annualized) | +0.03% | +9.72% | |
| Volatility (annualized) | 8.9% | 13.6% | |
| Max Drawdown | -30.0% | -33.4% | |
| Fund Family | Nuveen | Charles Schwab Asset Management | |
| Category | Tax Preferred | Equity | |
| Inception | Mar 19, 1992 | Oct 20, 2011 |
NXP vs SCHD Performance
Nuveen Select Tax Free Income Portfolio (NXP) is a ETF from Nuveen and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year NXP returned +6.59% while SCHD returned +31.38%. Year to date, NXP is up 4.25% versus a gain of 24.26% for SCHD.
Over three years, NXP compounded at +4.20% per year against +15.08% for SCHD; over five years the annualized figures are +0.03% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +0.53%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 8.9% for NXP. 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 -30.0% for NXP 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 0.29. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NXP charges 0.24% per year while SCHD charges 0.06%. On a $10,000 position that is $24 vs $6 annually, a gap of $18 per year that compounds over a long holding period. On income, NXP currently yields 4.44% against 3.31% for SCHD.
Holdings Overlap
NXP and SCHD share 0 holdings out of 296 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, NXP or SCHD?
NXP has an expense ratio of 0.24% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $18 per year of difference.
Which performed better, NXP or SCHD?
Over the past year NXP returned +6.59% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), NXP annualized +0.53% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, NXP or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.9% for NXP. Worst drawdown: NXP -30.0% vs SCHD -33.4%.
Should I hold both NXP and SCHD?
NXP and SCHD have a monthly-return correlation of 0.29, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NXP and SCHD?
NXP and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 296 unique securities.
Which pays a higher dividend, NXP or SCHD?
NXP yields 4.44% while SCHD yields 3.31%, so NXP currently pays the higher dividend yield.
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