OSEA vs SCHD
Harbor International Compounders 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 | OSEA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.06% | |
| AUM | $470M | $103.7B | |
| Dividend Yield | 1.24% | 3.31% | |
| Holdings | 38 | 104 | |
| YTD Return | +2.34% | +24.26% | |
| 1Y Return | +8.66% | +31.38% | |
| 3Y Return (annualized) | +8.48% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 14.5% | 13.6% | |
| Max Drawdown | -18.1% | -33.4% | |
| Fund Family | Harbor Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Sep 6, 2022 | Oct 20, 2011 |
OSEA vs SCHD Performance
Harbor International Compounders ETF (OSEA) is a ETF from Harbor Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year OSEA returned +8.66% while SCHD returned +31.38%. Year to date, OSEA is up 2.34% versus a gain of 24.26% for SCHD.
Over three years, OSEA compounded at +8.48% per year against +15.08% for SCHD. Across the full 4-year window we track, OSEA has the edge at +12.79% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
OSEA has been the more volatile fund, with annualized monthly volatility of 14.5% 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 -18.1% for OSEA 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
OSEA charges 0.55% per year while SCHD charges 0.06%. On a $10,000 position that is $55 vs $6 annually, a gap of $49 per year that compounds over a long holding period. On income, OSEA currently yields 1.24% against 3.31% for SCHD.
Holdings Overlap
OSEA and SCHD share 0 holdings out of 130 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, OSEA or SCHD?
OSEA has an expense ratio of 0.55% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, OSEA or SCHD?
Over the past year OSEA returned +8.66% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), OSEA annualized +12.79% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, OSEA or SCHD?
OSEA has been the more volatile fund at 14.5% annualized versus 13.6% for SCHD. Worst drawdown: OSEA -18.1% vs SCHD -33.4%.
Should I hold both OSEA and SCHD?
OSEA and SCHD have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between OSEA and SCHD?
OSEA and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 130 unique securities.
Which pays a higher dividend, OSEA or SCHD?
OSEA yields 1.24% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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