SCHD vs SILJ
Schwab US Dividend Equity ETF vs Amplify Junior Silver Miners ETF
Quick Verdict
SCHD has a lower expense ratio. SILJ delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | SILJ | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.69% | |
| AUM | $103.7B | $3.2B | |
| Dividend Yield | 3.31% | 2.14% | |
| Holdings | 104 | 65 | |
| YTD Return | +26.21% | +7.25% | |
| 1Y Return | +29.99% | +75.92% | |
| 3Y Return (annualized) | +15.73% | +47.26% | |
| 5Y Return (annualized) | +9.67% | +17.34% | |
| Volatility (annualized) | 13.6% | 47.8% | |
| Max Drawdown | -33.4% | -79.0% | |
| Fund Family | Charles Schwab Asset Management | Amplify ETFs | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Nov 28, 2012 |
SCHD vs SILJ Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Amplify Junior Silver Miners ETF (SILJ) is a ETF from Amplify ETFs. Over the past year SCHD returned +29.99% while SILJ returned +75.92%. Year to date, SCHD is up 26.21% versus a gain of 7.25% for SILJ.
Over three years, SCHD compounded at +15.73% per year against +47.26% for SILJ; over five years the annualized figures are +9.67% and +17.34% respectively. Across the full 14-year window we track, SCHD has the edge at +11.50% annualized vs +3.47%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SILJ has been the more volatile fund, with annualized monthly volatility of 47.8% 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 -79.0% for SILJ. 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SILJ charges 0.69%. On a $10,000 position that is $6 vs $69 annually, a gap of $63 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.14% for SILJ.
Holdings Overlap
SCHD and SILJ share 0 holdings out of 167 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 SILJ?
SCHD has an expense ratio of 0.06% while SILJ charges 0.69%. SCHD is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, SCHD or SILJ?
Over the past year SCHD returned +29.99% vs +75.92% for SILJ, so SILJ leads on 1-year performance. Over the longest common window we track (14 years), SCHD annualized +11.50% vs +3.47% for SILJ. Past performance does not guarantee future results.
Which is riskier, SCHD or SILJ?
SILJ has been the more volatile fund at 47.8% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SILJ -79.0%.
Should I hold both SCHD and SILJ?
SCHD and SILJ have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SILJ?
SCHD and SILJ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 167 unique securities.
Which pays a higher dividend, SCHD or SILJ?
SCHD yields 3.31% while SILJ yields 2.14%, so SCHD currently pays the higher dividend yield.
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