SCHD vs SIJ
Schwab US Dividend Equity ETF vs ProShares UltraShort Industrials
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 | SIJ | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.95% | |
| AUM | $103.7B | $6M | |
| Dividend Yield | 3.31% | 5.11% | |
| Holdings | 104 | 6 | |
| YTD Return | +24.26% | -28.53% | |
| 1Y Return | +31.38% | -34.13% | |
| 3Y Return (annualized) | +15.08% | -29.58% | |
| 5Y Return (annualized) | +9.72% | -20.56% | |
| Volatility (annualized) | 13.6% | 38.0% | |
| Max Drawdown | -33.4% | -100.0% | |
| Fund Family | Charles Schwab Asset Management | ProShares | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Jan 30, 2007 |
SCHD vs SIJ Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and ProShares UltraShort Industrials (SIJ) is a ETF from ProShares. Over the past year SCHD returned +31.38% while SIJ returned -34.13%. Year to date, SCHD is up 24.26% versus a loss of 28.53% for SIJ.
Over three years, SCHD compounded at +15.08% per year against -29.58% for SIJ; over five years the annualized figures are +9.72% and -20.56% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs -29.70%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SIJ has been the more volatile fund, with annualized monthly volatility of 38.0% 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 -100.0% for SIJ. 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 -0.83. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SIJ charges 0.95%. On a $10,000 position that is $6 vs $95 annually, a gap of $89 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.11% for SIJ.
Frequently Asked Questions
Which is cheaper, SCHD or SIJ?
SCHD has an expense ratio of 0.06% while SIJ charges 0.95%. SCHD is the cheaper option. On a $10,000 investment, that is $89 per year of difference.
Which performed better, SCHD or SIJ?
Over the past year SCHD returned +31.38% vs -34.13% for SIJ, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.39% vs -29.70% for SIJ. Past performance does not guarantee future results.
Which is riskier, SCHD or SIJ?
SIJ has been the more volatile fund at 38.0% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SIJ -100.0%.
Should I hold both SCHD and SIJ?
SCHD and SIJ have a monthly-return correlation of -0.83, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or SIJ?
SCHD yields 3.31% while SIJ yields 5.11%, so SIJ currently pays the higher dividend yield.
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