OWNS vs SCHD
CCM Affordable Housing MBS ETF vs Schwab US Dividend Equity ETF
Which is better, OWNS or SCHD?
Diversified Sectoral Bond against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | OWNS | SCHD |
|---|---|---|
| Expense Ratio | 0.30% | 0.06%Best |
| AUM | $106M | $112.1B |
| Dividend Yield | 4.35% | 3.00% |
| Holdings | 260 | 103 |
| YTD Return | -1.49% | +24.59%Best |
| 1Y Return | +0.05% | +28.14%Best |
| 3Y Return (annualized) | +4.07% | +15.58%Best |
| 5Y Return (annualized) | -0.22% | +9.90%Best |
| Volatility (annualized) | 6.7%Best | 14.8% |
| Max Drawdown | -17.1% | -16.9%Best |
| $10,000 over 5 years | $9,890 | $16,032Best |
| Fund Family | Impact shares | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Diversified Sectoral Bond | Large Cap Value |
| Inception | Jul 27, 2021 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jul 27, 2021 to Sep 10, 2026 (5.1 years).
OWNS vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 5.1 years both funds cover.
OWNS vs SCHD Performance
CCM Affordable Housing MBS ETF (OWNS) is an ETF from Impact shares and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year OWNS returned +0.05% while SCHD returned +28.14%. Year to date, OWNS is down 1.49% versus a gain of 24.59% for SCHD.
Over three years, OWNS compounded at +4.07% per year against +15.58% for SCHD; over five years the annualized figures are -0.22% and +9.90% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.8% compared with 6.7% for OWNS. 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 -17.1% for OWNS and -16.9% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.53. They move together some of the time, and apart the rest.
Fees and Cost Over Time
OWNS charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, OWNS currently yields 4.35% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 21 holdings in OWNS and 100 in SCHD, totalling 19.5% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 21 positions we hold weights for in OWNS and 100 in SCHD, against full books of 260 and 103.
You are not choosing between two funds in isolation.
Whichever of OWNS and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, OWNS or SCHD?
OWNS has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option, by $24 a year on a $10,000 investment.
Which performed better, OWNS or SCHD?
Over the past year OWNS returned +0.05% vs +28.14% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, OWNS or SCHD?
SCHD has been the more volatile fund at 14.8% annualized versus 6.7% for OWNS. Worst drawdown: OWNS -17.1% vs SCHD -16.9%.
Should I hold both OWNS and SCHD?
OWNS and SCHD have a monthly-return correlation of 0.53, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, OWNS or SCHD?
OWNS yields 4.35% while SCHD yields 3.00%, so OWNS currently pays the higher dividend yield.
Is SCHD better than OWNS?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.