SCHD vs SRV
Schwab US Dividend Equity ETF vs NXG Cushing Midstream Energy Fund
Which is better, SCHD or SRV?
Large Cap Value against Mid Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window, SRV over 3Y and 5Y. SRV is less concentrated, with 41.1% of the fund in its ten largest positions against 41.8%.
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
| Metric | SCHD | SRV |
|---|---|---|
| Expense Ratio | 0.06%Best | 4.25% |
| AUM | $112.1B | $295M |
| Dividend Yield | 3.00% | 17.27% |
| Holdings | 103 | 66 |
| YTD Return | +24.23%Best | +21.00% |
| 1Y Return | +27.90%Best | +18.45% |
| 3Y Return (annualized) | +15.55% | +18.76%Best |
| 5Y Return (annualized) | +9.97% | +22.69%Best |
| Volatility (annualized) | 13.6%Best | 38.9% |
| Max Drawdown | -33.4% | - |
| $10,000 over 5 years | $16,083 | $27,800Best |
| Top 10 Weight | 41.8% | 41.1%Best |
| Fund Family | Charles Schwab Asset Management | Cushing Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Value |
| Inception | Oct 20, 2011 | Aug 27, 2007 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 17, 2026 (14.9 years).
SCHD vs SRV growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 14.9 years both funds cover.
SCHD vs SRV Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and NXG Cushing Midstream Energy Fund (SRV) is an ETF from Cushing Investment Management. Over the past year SCHD returned +27.90% while SRV returned +18.45%. Year to date, SCHD is up 24.23% versus a gain of 21.00% for SRV.
Over three years, SCHD compounded at +15.55% per year against +18.76% for SRV; over five years the annualized figures are +9.97% and +22.69% respectively. Across the full 15-year window we track, SCHD has the edge at +11.30% annualized vs -14.53%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SRV has been the more volatile fund, with annualized monthly volatility of 38.9% compared with 13.6% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.50. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while SRV charges 4.25%. On a $10,000 position that is $6 vs $425 annually, a gap of $419 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 17.27% for SRV.
Holdings Overlap
1.5% of SCHD's money is in holdings SRV also owns. 3.0% of SRV's money is in holdings SCHD also owns.
SRV and SCHD share little of their money.
The two holdings books were reported 62 days apart, SCHD as of Aug 31, 2026 and SRV as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 58 in SRV, against full books of 103 and 66.
What only one of them owns
Our book lists 45 positions for SRV that do not appear in our book for SCHD (83.5% of the fund), and 98 for SCHD that do not appear in SRV (98.5%).
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
| Stock | Weight in SCHD | Weight in SRV | Difference |
|---|---|---|---|
| OKEOneok Inc. | 1.47% | 2.98% | 1.51% |
You are not choosing between two funds in isolation.
Whichever of SCHD and SRV you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or SRV?
SCHD has an expense ratio of 0.06% while SRV charges 4.25%. SCHD is the cheaper option, by $419 a year on a $10,000 investment.
Which performed better, SCHD or SRV?
Over the past year SCHD returned +27.90% vs +18.45% for SRV, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.30% vs -14.53% for SRV. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or SRV?
SRV has been the more volatile fund at 38.9% annualized versus 13.6% for SCHD.
Should I hold both SCHD and SRV?
SCHD and SRV have a monthly-return correlation of 0.50, 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 SRV?
3.0% of SRV's money is in holdings SCHD also owns. 3.0% of SRV's is in holdings SCHD also owns. They hold 1 positions in common, counted across the 100 positions we hold weights for in SCHD and 58 in SRV.
Which pays a higher dividend, SCHD or SRV?
SCHD yields 3.00% while SRV yields 17.27%, so SRV currently pays the higher dividend yield.
Is SRV better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window, SRV over 3Y and 5Y. SRV is less concentrated, with 41.1% 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.