SCHD vs SRHQ
Schwab US Dividend Equity ETF vs SRH US Quality GARP ETF
Quick Verdict
SCHD has a lower expense ratio. SRHQ delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | SRHQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $213M | |
| Dividend Yield | 3.31% | 0.70% | |
| Holdings | 104 | 80 | |
| YTD Return | +25.58% | +25.60% | |
| 1Y Return | +31.06% | +33.13% | |
| 3Y Return (annualized) | +15.55% | +19.27% | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | 13.5% | |
| Max Drawdown | -33.4% | -18.5% | |
| Fund Family | Charles Schwab Asset Management | SRH Funds | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Oct 4, 2022 |
SCHD vs SRHQ Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and SRH US Quality GARP ETF (SRHQ) is a ETF from SRH Funds. Over the past year SCHD returned +31.06% while SRHQ returned +33.13%. Year to date, SCHD is up 25.58% versus a gain of 25.60% for SRHQ.
Over three years, SCHD compounded at +15.55% per year against +19.27% for SRHQ. Across the full 4-year window we track, SRHQ has the edge at +19.72% annualized vs +11.46%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.5% for SRHQ. 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 -18.5% for SRHQ. 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while SRHQ charges 0.35%. On a $10,000 position that is $6 vs $35 annually, a gap of $29 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.70% for SRHQ.
Holdings Overlap
SCHD and SRHQ share 11 holdings out of 169 unique holdings combined, representing a 8.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or SRHQ?
SCHD has an expense ratio of 0.06% while SRHQ charges 0.35%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, SCHD or SRHQ?
Over the past year SCHD returned +31.06% vs +33.13% for SRHQ, so SRHQ leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.46% vs +19.72% for SRHQ. Past performance does not guarantee future results.
Which is riskier, SCHD or SRHQ?
SCHD has been the more volatile fund at 13.6% annualized versus 13.5% for SRHQ. Worst drawdown: SCHD -33.4% vs SRHQ -18.5%.
Should I hold both SCHD and SRHQ?
SCHD and SRHQ have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SRHQ?
SCHD and SRHQ share 11 common holdings with a 8.3% weight overlap. Combined, they hold 169 unique securities.
Which pays a higher dividend, SCHD or SRHQ?
SCHD yields 3.31% while SRHQ yields 0.70%, so SCHD currently pays the higher dividend yield.
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