SCHD vs SNPG

Quick Verdict

SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.

Lower Fees: SCHDHigher Returns: SCHDMore Diversified: SCHD

Side-by-Side Comparison

MetricSCHDSNPGWinner
Expense Ratio0.06%0.15%
AUM$103.7B$13M
Dividend Yield3.31%0.45%
Holdings10487
YTD Return+24.26%+13.10%
1Y Return+31.38%+22.99%
3Y Return (annualized)+15.08%+23.74%
5Y Return (annualized)+9.72%-
Volatility (annualized)13.6%16.0%
Max Drawdown-33.4%-21.7%
Fund FamilyCharles Schwab Asset ManagementXtrackers ETFs
CategoryEquityEquity
InceptionOct 20, 2011Nov 9, 2022

SCHD vs SNPG Performance

Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Xtrackers S&P 500 Growth Scored & Screened ETF (SNPG) is a ETF from Xtrackers ETFs. Over the past year SCHD returned +31.38% while SNPG returned +22.99%. Year to date, SCHD is up 24.26% versus a gain of 13.10% for SNPG.

Over three years, SCHD compounded at +15.08% per year against +23.74% for SNPG. Across the full 4-year window we track, SNPG has the edge at +27.93% annualized vs +11.39%. Past performance does not guarantee future results.

Risk: Volatility and Drawdowns

SNPG has been the more volatile fund, with annualized monthly volatility of 16.0% 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 -21.7% for SNPG. 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 0.28. They move independently enough that combining them can meaningfully diversify a portfolio.

Fees and Cost Over Time

SCHD charges 0.06% per year while SNPG charges 0.15%. On a $10,000 position that is $6 vs $15 annually, a gap of $9 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.45% for SNPG.

Holdings Overlap

2.2%overlap

SCHD and SNPG share 2 holdings out of 183 unique holdings combined, representing a 2.2% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Top Shared Holdings

StockWeight in SCHDWeight in SNPGDifference
AMGN4.25%1.13%3.12%
KO4.08%1.10%2.98%

Frequently Asked Questions

Which is cheaper, SCHD or SNPG?

SCHD has an expense ratio of 0.06% while SNPG charges 0.15%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.

Which performed better, SCHD or SNPG?

Over the past year SCHD returned +31.38% vs +22.99% for SNPG, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.39% vs +27.93% for SNPG. Past performance does not guarantee future results.

Which is riskier, SCHD or SNPG?

SNPG has been the more volatile fund at 16.0% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SNPG -21.7%.

Should I hold both SCHD and SNPG?

SCHD and SNPG have a monthly-return correlation of 0.28, so combining them can provide real diversification depending on your allocation goals.

What is the holdings overlap between SCHD and SNPG?

SCHD and SNPG share 2 common holdings with a 2.2% weight overlap. Combined, they hold 183 unique securities.

Which pays a higher dividend, SCHD or SNPG?

SCHD yields 3.31% while SNPG yields 0.45%, so SCHD currently pays the higher dividend yield.

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