SCHC vs SCHD
Schwab International Small-Cap Equity ETF vs Schwab US Dividend Equity ETF
Which is better, SCHC or SCHD?
Mid Cap Growth against Large Cap Value.
SCHC led over 3Y, SCHD over 1Y, 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 | SCHC | SCHD |
|---|---|---|
| Expense Ratio | 0.06%Tie | 0.06%Tie |
| AUM | $5.8B | $112.2B |
| Dividend Yield | 3.48% | 3.13% |
| Holdings | 2,271 | 103 |
| YTD Return | +12.69% | +27.56%Best |
| 1Y Return | +21.24% | +30.29%Best |
| 3Y Return (annualized) | +19.25%Best | +16.37% |
| 5Y Return (annualized) | +6.45% | +10.23%Best |
| Volatility (annualized) | 16.5% | 13.6%Best |
| Max Drawdown | -47.1% | -33.4%Best |
| $10,000 over 5 years | $13,669 | $16,274Best |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Value |
| Inception | Jan 14, 2010 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 4, 2026 (14.9 years).
SCHC 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 14.9 years both funds cover.
SCHC vs SCHD Performance
Schwab International Small-Cap Equity ETF (SCHC) is an ETF from Charles Schwab Asset Management and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year SCHC returned +21.24% while SCHD returned +30.29%. Year to date, SCHC is up 12.69% versus a gain of 27.56% for SCHD.
Over three years, SCHC compounded at +19.25% per year against +16.37% for SCHD; over five years the annualized figures are +6.45% and +10.23% respectively. Across the full 15-year window we track, SCHD has the edge at +11.53% annualized vs +6.08%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHC has been the more volatile fund, with annualized monthly volatility of 16.5% 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 -47.1% for SCHC and -33.4% 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 0.77. 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
At least 0.1% of SCHD's money is in holdings SCHC also owns.
Stated as a floor: for SCHC, our book for it covers 84.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
The two holdings books were reported 129 days apart, SCHC as of Mar 31, 2026 and SCHD as of Aug 7, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 1,528 positions we hold weights for in SCHC and 100 in SCHD, against full books of 2,271 and 103.
Top Shared Holdings
| Stock | Weight in SCHC | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXXState Street Institutional US Government Money Market Fund | 0.10% | 0.05% | 0.05% |
You are not choosing between two funds in isolation.
Whichever of SCHC 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, SCHC or SCHD?
SCHC has an expense ratio of 0.06% while SCHD charges 0.06%. At the precision these are quoted to, they cost the same.
Which performed better, SCHC or SCHD?
Over the past year SCHC returned +21.24% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHC annualized +6.08% vs +11.53% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHC or SCHD?
SCHC has been the more volatile fund at 16.5% 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 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, SCHC or SCHD?
SCHC yields 3.48% while SCHD yields 3.13%, so SCHC currently pays the higher dividend yield.
Is SCHD better than SCHC?
SCHC led over 3Y, SCHD over 1Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.