SCHD vs SEMI
Schwab US Dividend Equity ETF vs Columbia Select Technology ETF
Quick Verdict
SCHD has a lower expense ratio. SEMI delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | SEMI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.75% | |
| AUM | $103.7B | $40M | |
| Dividend Yield | 3.31% | 3.39% | |
| Holdings | 104 | 37 | |
| YTD Return | +24.26% | +25.77% | |
| 1Y Return | +31.38% | +39.20% | |
| 3Y Return (annualized) | +15.08% | +26.21% | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 29.1% | |
| Max Drawdown | -33.4% | -32.9% | |
| Fund Family | Charles Schwab Asset Management | Columbia Threadneedle Investments | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Mar 29, 2022 |
SCHD vs SEMI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Columbia Select Technology ETF (SEMI) is a ETF from Columbia Threadneedle Investments. Over the past year SCHD returned +31.38% while SEMI returned +39.20%. Year to date, SCHD is up 24.26% versus a gain of 25.77% for SEMI.
Over three years, SCHD compounded at +15.08% per year against +26.21% for SEMI. Across the full 4-year window we track, SEMI has the edge at +18.36% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SEMI has been the more volatile fund, with annualized monthly volatility of 29.1% 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 -32.9% for SEMI. 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 SEMI charges 0.75%. On a $10,000 position that is $6 vs $75 annually, a gap of $69 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 3.39% for SEMI.
Holdings Overlap
SCHD and SEMI share 0 holdings out of 135 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 SEMI?
SCHD has an expense ratio of 0.06% while SEMI charges 0.75%. SCHD is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, SCHD or SEMI?
Over the past year SCHD returned +31.38% vs +39.20% for SEMI, so SEMI leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.39% vs +18.36% for SEMI. Past performance does not guarantee future results.
Which is riskier, SCHD or SEMI?
SEMI has been the more volatile fund at 29.1% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SEMI -32.9%.
Should I hold both SCHD and SEMI?
SCHD and SEMI 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 SEMI?
SCHD and SEMI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 135 unique securities.
Which pays a higher dividend, SCHD or SEMI?
SCHD yields 3.31% while SEMI yields 3.39%, so SEMI currently pays the higher dividend yield.
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