SCHC vs SCHD
Schwab International Small-Cap Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD delivered stronger 1-year returns. SCHC offers more diversification with 2,271 holdings.
Side-by-Side Comparison
| Metric | SCHC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.06% | |
| AUM | $5.7B | $108.7B | |
| Dividend Yield | 3.48% | 3.13% | |
| Holdings | 2,271 | 104 | |
| YTD Return | +11.82% | +25.69% | |
| 1Y Return | +20.80% | +30.41% | |
| 3Y Return (annualized) | +19.73% | +16.03% | |
| 5Y Return (annualized) | +7.14% | +9.64% | |
| Volatility (annualized) | 17.4% | 13.6% | |
| Max Drawdown | -47.1% | -33.4% | |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jan 14, 2010 | Oct 20, 2011 |
SCHC vs SCHD Performance
Schwab International Small-Cap Equity ETF (SCHC) is a ETF from Charles Schwab Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year SCHC returned +20.80% while SCHD returned +30.41%. Year to date, SCHC is up 11.82% versus a gain of 25.69% for SCHD.
Over three years, SCHC compounded at +19.73% per year against +16.03% for SCHD; over five years the annualized figures are +7.14% and +9.64% respectively. Across the full 15-year window we track, SCHD has the edge at +11.46% annualized vs +5.27%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHC has been the more volatile fund, with annualized monthly volatility of 17.4% 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 -47.1% for SCHC 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHC charges 0.06% per year while SCHD charges 0.06%. On a $10,000 position that is $6 vs $6 annually. On income, SCHC currently yields 3.48% against 3.13% for SCHD.
Holdings Overlap
SCHC and SCHD share 1 holdings out of 1627 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHC | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 0.10% | 0.05% | 0.05% |
Frequently Asked Questions
Which is cheaper, SCHC or SCHD?
SCHC has an expense ratio of 0.06% while SCHD charges 0.06%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, SCHC or SCHD?
Over the past year SCHC returned +20.80% vs +30.41% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHC annualized +5.27% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, SCHC or SCHD?
SCHC has been the more volatile fund at 17.4% annualized versus 13.6% for SCHD. Worst drawdown: SCHC -47.1% vs SCHD -33.4%.
Should I hold both SCHC and SCHD?
SCHC and SCHD have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHC and SCHD?
SCHC and SCHD share 1 common holdings with a 0.1% weight overlap. Combined, they hold 1627 unique securities.
Which pays a higher dividend, SCHC or SCHD?
SCHC yields 3.48% while SCHD yields 3.13%, so SCHC currently pays the higher dividend yield.
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