SCHD vs SRV
SCHD vs SRV
Schwab US Dividend Equity ETF vs NXG Cushing Midstream Energy Fund
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | SRV | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 4.25% | |
| AUM | $103.7B | $295M | |
| Dividend Yield | 3.31% | 15.33% | |
| Holdings | 104 | 57 | |
| YTD Return | +24.26% | +23.80% | |
| 1Y Return | +31.38% | +27.05% | |
| 3Y Return (annualized) | +15.08% | +19.35% | |
| 5Y Return (annualized) | +9.72% | +26.59% | |
| Volatility (annualized) | 13.6% | 39.5% | |
| Max Drawdown | -33.4% | -99.6% | |
| Fund Family | Charles Schwab Asset Management | Cushing Investment Management | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Aug 27, 2007 |
SCHD vs SRV Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and NXG Cushing Midstream Energy Fund (SRV) is a ETF from Cushing Investment Management. Over the past year SCHD returned +31.38% while SRV returned +27.05%. Year to date, SCHD is up 24.26% versus a gain of 23.80% for SRV.
Over three years, SCHD compounded at +15.08% per year against +19.35% for SRV; over five years the annualized figures are +9.72% and +26.59% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs -15.05%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SRV has been the more volatile fund, with annualized monthly volatility of 39.5% compared with 13.6% 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 -99.6% for SRV. 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
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 3.31% against 15.33% for SRV.
Holdings Overlap
SCHD and SRV share 1 holdings out of 145 unique holdings combined, representing a 1.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in SRV | Difference |
|---|---|---|---|
| OKE | 1.50% | 5.50% | 4.00% |
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. On a $10,000 investment, that is $419 per year of difference.
Which performed better, SCHD or SRV?
Over the past year SCHD returned +31.38% vs +27.05% for SRV, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.39% vs -15.05% for SRV. Past performance does not guarantee future results.
Which is riskier, SCHD or SRV?
SRV has been the more volatile fund at 39.5% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SRV -99.6%.
Should I hold both SCHD and SRV?
SCHD and SRV have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SRV?
SCHD and SRV share 1 common holdings with a 1.5% weight overlap. Combined, they hold 145 unique securities.
Which pays a higher dividend, SCHD or SRV?
SCHD yields 3.31% while SRV yields 15.33%, so SRV currently pays the higher dividend yield.
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