SCHD vs SDCI
Schwab US Dividend Equity ETF vs USCF SummerHaven Dynamic Commodity Strategy No K-1 Fund
Which is better, SCHD or SDCI?
Large Cap Value against Commodities.
SCHD has a lower expense ratio. SDCI 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 | SCHD | SDCI |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.60% |
| AUM | $112.1B | $683M |
| Dividend Yield | 3.00% | 2.67% |
| Holdings | 103 | 39 |
| YTD Return | +24.23% | +42.49%Best |
| 1Y Return | +27.90% | +42.60%Best |
| 3Y Return (annualized) | +15.55% | +22.77%Best |
| 5Y Return (annualized) | +9.97% | +23.38%Best |
| Volatility (annualized) | 16.3%Best | 16.6% |
| Max Drawdown | -33.4%Best | -45.8% |
| $10,000 over 5 years | $16,083 | $28,591Best |
| Fund Family | Charles Schwab Asset Management | USCF Investments |
| Category | Equity | Commodity |
| Style | Large Cap Value | Commodities |
| Inception | Oct 20, 2011 | May 3, 2018 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: May 3, 2018 to Sep 17, 2026 (8.4 years).
SCHD vs SDCI 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 8.4 years both funds cover.
SCHD vs SDCI Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and USCF SummerHaven Dynamic Commodity Strategy No K-1 Fund (SDCI) is an ETF from USCF Investments. Over the past year SCHD returned +27.90% while SDCI returned +42.60%. Year to date, SCHD is up 24.23% versus a gain of 42.49% for SDCI.
Over three years, SCHD compounded at +15.55% per year against +22.77% for SDCI; over five years the annualized figures are +9.97% and +23.38% respectively. Across the full 8-year window we track, SDCI has the edge at +12.52% annualized vs +12.03%.
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 16.3% 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 what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.44. They move together some of the time, and apart the rest.
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 3.00% against 2.67% for SDCI.
You are not choosing between two funds in isolation.
Whichever of SCHD and SDCI 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, SCHD or SDCI?
SCHD has an expense ratio of 0.06% while SDCI charges 0.60%. SCHD is the cheaper option, by $54 a year on a $10,000 investment.
Which performed better, SCHD or SDCI?
Over the past year SCHD returned +27.90% vs +42.60% for SDCI, so SDCI leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +12.03% vs +12.52% for SDCI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or SDCI?
SDCI has been the more volatile fund at 16.6% annualized versus 16.3% 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 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, SCHD or SDCI?
SCHD yields 3.00% while SDCI yields 2.67%, so SCHD currently pays the higher dividend yield.
Is SDCI better than SCHD?
SCHD has a lower expense ratio. SDCI 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.