SCHD vs SRHR
Schwab US Dividend Equity ETF vs SRH REIT Covered Call ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 103 holdings.
Side-by-Side Comparison
| Metric | SCHD | SRHR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.75% | |
| AUM | $112.2B | $52M | |
| Dividend Yield | 3.13% | 6.06% | |
| Holdings | 103 | 38 | |
| YTD Return | +28.33% | +14.19% | |
| 1Y Return | +30.37% | +12.66% | |
| 3Y Return (annualized) | +16.64% | - | |
| 5Y Return (annualized) | +10.04% | - | |
| Volatility (annualized) | 13.6% | 12.9% | |
| Max Drawdown | -33.4% | -18.7% | |
| Fund Family | Charles Schwab Asset Management | SRH Funds | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Nov 1, 2023 |
SCHD vs SRHR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and SRH REIT Covered Call ETF (SRHR) is a ETF from SRH Funds. Over the past year SCHD returned +30.37% while SRHR returned +12.66%. Year to date, SCHD is up 28.33% versus a gain of 14.19% for SRHR.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.9% for SRHR. 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 -18.7% for SRHR. 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while SRHR charges 0.75%. On a $10,000 position that is $6 vs $75 annually, a gap of $69 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 6.06% for SRHR.
Holdings Overlap
SCHD and SRHR share 0 holdings out of 126 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 SRHR?
SCHD has an expense ratio of 0.06% while SRHR charges 0.75%. SCHD is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, SCHD or SRHR?
Over the past year SCHD returned +30.37% vs +12.66% for SRHR, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.58% vs +11.49% for SRHR. Past performance does not guarantee future results.
Which is riskier, SCHD or SRHR?
SCHD has been the more volatile fund at 13.6% annualized versus 12.9% for SRHR. Worst drawdown: SCHD -33.4% vs SRHR -18.7%.
Should I hold both SCHD and SRHR?
SCHD and SRHR have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SRHR?
SCHD and SRHR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 126 unique securities.
Which pays a higher dividend, SCHD or SRHR?
SCHD yields 3.13% while SRHR yields 6.06%, so SRHR currently pays the higher dividend yield.
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