SCHD vs SPCT
SCHD vs SPCT
Schwab US Dividend Equity ETF vs Liberty One Spectrum ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | SPCT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.85% | |
| AUM | $103.7B | $68M | |
| Dividend Yield | 3.31% | 0.75% | |
| Holdings | 104 | 53 | |
| YTD Return | +24.26% | +11.49% | |
| 1Y Return | +31.38% | - | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -7.2% | |
| Fund Family | Charles Schwab Asset Management | Liberty One Investment Management, LLC | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Sep 30, 2025 |
SCHD vs SPCT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Liberty One Spectrum ETF (SPCT) is a ETF from Liberty One Investment Management, LLC. Year to date, SCHD is up 24.26% versus a gain of 11.49% for SPCT.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -7.2% for SPCT. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while SPCT charges 0.85%. On a $10,000 position that is $6 vs $85 annually, a gap of $79 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.75% for SPCT.
Holdings Overlap
SCHD and SPCT share 9 holdings out of 142 unique holdings combined, representing a 15.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in SPCT | Difference |
|---|---|---|---|
| TXN | 3.70% | 2.86% | 0.84% |
| UNH | 4.54% | 2.00% | 2.54% |
| KO | 4.08% | 2.13% | 1.95% |
| CVX | Pro | Pro | Pro |
| PG | Pro | Pro | Pro |
| VZ | Pro | Pro | Pro |
| HD | Pro | Pro | Pro |
| HSY | Pro | Pro | Pro |
| DRI | Pro | Pro | Pro |
See all 9 holdings SCHD shares with SPCT Exact weights in each fund and the difference, for every overlapping position. X-ray my whole portfolio$99/yr Pro · 7-day refund | |||
Frequently Asked Questions
Which is cheaper, SCHD or SPCT?
SCHD has an expense ratio of 0.06% while SPCT charges 0.85%. SCHD is the cheaper option. On a $10,000 investment, that is $79 per year of difference.
What is the holdings overlap between SCHD and SPCT?
SCHD and SPCT share 9 common holdings with a 15.2% weight overlap. Combined, they hold 142 unique securities.
Which pays a higher dividend, SCHD or SPCT?
SCHD yields 3.31% while SPCT yields 0.75%, so SCHD currently pays the higher dividend yield.
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