SCHD vs SCUS
SCHD vs SCUS
Schwab US Dividend Equity ETF vs Schwab Ultra-Short Income 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 | SCHD | SCUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.14% | |
| AUM | $103.7B | $241M | |
| Dividend Yield | 3.31% | 3.91% | |
| Holdings | 104 | 157 | |
| YTD Return | +24.26% | +1.72% | |
| 1Y Return | +31.38% | +3.57% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 0.6% | |
| Max Drawdown | -33.4% | -0.4% | |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Aug 13, 2024 |
SCHD vs SCUS Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Schwab Ultra-Short Income ETF (SCUS) is a ETF from Charles Schwab Asset Management. Over the past year SCHD returned +31.38% while SCUS returned +3.57%. Year to date, SCHD is up 24.26% versus a gain of 1.72% for SCUS.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 0.6% for SCUS. 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 -33.4% for SCHD and -0.4% for SCUS. 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 0.00. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SCUS charges 0.14%. On a $10,000 position that is $6 vs $14 annually, a gap of $8 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 3.91% for SCUS.
Holdings Overlap
SCHD and SCUS share 0 holdings out of 102 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, SCHD or SCUS?
SCHD has an expense ratio of 0.06% while SCUS charges 0.14%. SCHD is the cheaper option. On a $10,000 investment, that is $8 per year of difference.
Which performed better, SCHD or SCUS?
Over the past year SCHD returned +31.38% vs +3.57% for SCUS, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.39% vs +4.00% for SCUS. Past performance does not guarantee future results.
Which is riskier, SCHD or SCUS?
SCHD has been the more volatile fund at 13.6% annualized versus 0.6% for SCUS. Worst drawdown: SCHD -33.4% vs SCUS -0.4%.
Should I hold both SCHD and SCUS?
SCHD and SCUS have a monthly-return correlation of 0.00, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SCUS?
SCHD and SCUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, SCHD or SCUS?
SCHD yields 3.31% while SCUS yields 3.91%, so SCUS currently pays the higher dividend yield.
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