SCHD vs SDCI
SCHD vs SDCI
Schwab US Dividend Equity ETF vs USCF SummerHaven Dynamic Commodity Strategy No K-1 Fund
Quick Verdict
SCHD has a lower expense ratio. SDCI delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | SDCI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.60% | |
| AUM | $103.7B | $570M | |
| Dividend Yield | 3.31% | 3.09% | |
| Holdings | 104 | 23 | |
| YTD Return | +24.26% | +29.19% | |
| 1Y Return | +31.38% | +36.13% | |
| 3Y Return (annualized) | +15.08% | +20.40% | |
| 5Y Return (annualized) | +9.72% | +21.22% | |
| Volatility (annualized) | 13.6% | 16.6% | |
| Max Drawdown | -33.4% | -45.8% | |
| Fund Family | Charles Schwab Asset Management | USCF Investments | |
| Category | Equity | Commodity | |
| Inception | Oct 20, 2011 | May 3, 2018 |
SCHD vs SDCI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and USCF SummerHaven Dynamic Commodity Strategy No K-1 Fund (SDCI) is a ETF from USCF Investments. Over the past year SCHD returned +31.38% while SDCI returned +36.13%. Year to date, SCHD is up 24.26% versus a gain of 29.19% for SDCI.
Over three years, SCHD compounded at +15.08% per year against +20.40% for SDCI; over five years the annualized figures are +9.72% and +21.22% respectively. Across the full 8-year window we track, SCHD has the edge at +11.39% annualized vs +11.37%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SDCI has been the more volatile fund, with annualized monthly volatility of 16.6% 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 -33.4% for SCHD and -45.8% for SDCI. 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SDCI charges 0.60%. On a $10,000 position that is $6 vs $60 annually, a gap of $54 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 3.09% for SDCI.
Holdings Overlap
SCHD and SDCI share 0 holdings out of 103 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 SDCI?
SCHD has an expense ratio of 0.06% while SDCI charges 0.60%. SCHD is the cheaper option. On a $10,000 investment, that is $54 per year of difference.
Which performed better, SCHD or SDCI?
Over the past year SCHD returned +31.38% vs +36.13% for SDCI, so SDCI leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +11.39% vs +11.37% for SDCI. Past performance does not guarantee future results.
Which is riskier, SCHD or SDCI?
SDCI has been the more volatile fund at 16.6% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SDCI -45.8%.
Should I hold both SCHD and SDCI?
SCHD and SDCI have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SDCI?
SCHD and SDCI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, SCHD or SDCI?
SCHD yields 3.31% while SDCI yields 3.09%, so SCHD currently pays the higher dividend yield.
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