SCHD vs SPVU

SCHD vs SPVU

Which is better, SCHD or SPVU?

Each has led over a different period.

SCHD has a lower expense ratio. SCHD led over 1Y, SPVU over the full window. SPVU is less concentrated, with 41.4% of the fund in its ten largest positions against 41.8%.

Lower Fees: SCHDHigher Returns: splitLess Concentrated: SPVU

MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.

Side-by-Side Comparison

MetricSCHDSPVU
Expense Ratio0.06%Best0.13%
AUM$112.1B$111M
Dividend Yield3.00%2.46%
Holdings103101
Volatility (annualized)14.9%Best20.1%
Max Drawdown-33.4%Best-51.7%
$10,000 over 10.4 years$29,855$30,963Best
Top 10 Weight41.8%41.4%Best
Fund FamilyCharles Schwab Asset ManagementInvesco (US)
CategoryEquityEquity
StyleLarge Cap ValueLarge Cap Value
InceptionOct 20, 2011Oct 9, 2015

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).

The two price series end 210 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. SCHD has data through Sep 18, 2026 and SPVU through Feb 20, 2026.

Volatility and max drawdown, and the $10,000 over 10.4 years row, are measured over the window both funds cover: Oct 9, 2015 to Feb 20, 2026 (10.4 years).

Risk: Volatility and Drawdowns

SPVU has been the more volatile fund, with annualized monthly volatility of 20.1% compared with 14.9% 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 -51.7% for SPVU. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.89. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

SCHD charges 0.06% per year while SPVU charges 0.13%. On a $10,000 position that is $6 vs $13 annually, a gap of $7 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 2.46% for SPVU.

Holdings Overlap

SCHD already in SPVU28.2%
SPVU already in SCHD23.6%

28.2% of SCHD's money is in holdings SPVU also owns. 23.6% of SPVU's money is in holdings SCHD also owns.

SCHD and SPVU share little of their money.

The two holdings books were reported 335 days apart, SCHD as of Aug 31, 2026 and SPVU as of Sep 30, 2025, so some of the difference between them is the time between the two reports rather than the funds.

14 positions in common, counted across the 100 positions we hold weights for in SCHD and 100 in SPVU, against full books of 103 and 101.

What only one of them owns

Our book lists 85 positions for SPVU that do not appear in our book for SCHD (76.0% of the fund), and 85 for SCHD that do not appear in SPVU (71.7%).

Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.

Top Shared Holdings

StockWeight in SCHDWeight in SPVUDifference
UNHUnitedhealth Group Incorporated3.82%5.59%1.77%
CVXChevron Corp4.02%3.96%0.06%
VZVerizon Communic3.97%3.22%0.75%
COPConocophillips Common Stock USD 0.013.94%1.96%1.98%
CMCSAComcast Corp-class A Cmcsa2.31%2.64%0.33%
FFord Motor Credit1.33%1.68%0.35%
SLBSchlumberger Nv.2.19%0.73%1.46%
TGTTarget Corp Common Stock Usd.08331.78%0.98%0.80%
ADMArcher-Daniels-Midland Co.0.96%0.89%0.07%
DVNDevon Energy Corporation1.36%0.47%0.89%

28.2% of SCHD is already inside SPVU.

You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.

SCHDSPVU

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, SCHD or SPVU?

SCHD has an expense ratio of 0.06% while SPVU charges 0.13%. SCHD is the cheaper option, by $7 a year on a $10,000 investment.

Which is riskier, SCHD or SPVU?

SPVU has been the more volatile fund at 20.1% annualized versus 14.9% for SCHD. Worst drawdown: SCHD -33.4% vs SPVU -51.7%.

Should I hold both SCHD and SPVU?

SCHD and SPVU have a monthly-return correlation of 0.89, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

What is the holdings overlap between SCHD and SPVU?

28.2% of SCHD's money is in holdings SPVU also owns. 23.6% of SPVU's is in holdings SCHD also owns. They hold 14 positions in common, counted across the 100 positions we hold weights for in SCHD and 100 in SPVU.

Which pays a higher dividend, SCHD or SPVU?

SCHD yields 3.00% while SPVU yields 2.46%, so SCHD currently pays the higher dividend yield.

Is SPVU better than SCHD?

SCHD has a lower expense ratio. SCHD led over 1Y, SPVU over the full window. SPVU is less concentrated, with 41.4% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.