NXTI vs SCHD
Simplify Next Intangible Core Index 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 | NXTI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $40M | $103.7B | |
| Dividend Yield | 0.56% | 3.31% | |
| Holdings | 202 | 104 | |
| YTD Return | +12.33% | +25.33% | |
| 1Y Return | +18.54% | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 13.7% | 13.6% | |
| Max Drawdown | -19.6% | -33.4% | |
| Fund Family | Simplify Exchange Traded Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 15, 2024 | Oct 20, 2011 |
NXTI vs SCHD Performance
Simplify Next Intangible Core Index ETF (NXTI) is a ETF from Simplify Exchange Traded Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year NXTI returned +18.54% while SCHD returned +32.31%. Year to date, NXTI is up 12.33% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
NXTI has been the more volatile fund, with annualized monthly volatility of 13.7% 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 -19.6% for NXTI 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 0.17. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NXTI charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, NXTI currently yields 0.56% against 3.31% for SCHD.
Holdings Overlap
NXTI and SCHD share 0 holdings out of 118 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, NXTI or SCHD?
NXTI has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, NXTI or SCHD?
Over the past year NXTI returned +18.54% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), NXTI annualized +19.54% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, NXTI or SCHD?
NXTI has been the more volatile fund at 13.7% annualized versus 13.6% for SCHD. Worst drawdown: NXTI -19.6% vs SCHD -33.4%.
Should I hold both NXTI and SCHD?
NXTI and SCHD have a monthly-return correlation of 0.17, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NXTI and SCHD?
NXTI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 118 unique securities.
Which pays a higher dividend, NXTI or SCHD?
NXTI yields 0.56% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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