SCHD vs STCE
Schwab US Dividend Equity ETF vs Schwab Crypto Thematic Natural Language Processing ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | STCE | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.30% | |
| AUM | $108.7B | $214M | |
| Dividend Yield | 3.13% | 1.74% | |
| Holdings | 104 | 42 | |
| YTD Return | +26.54% | -4.78% | |
| 1Y Return | +30.90% | +12.63% | |
| 3Y Return (annualized) | +16.29% | +40.19% | |
| 5Y Return (annualized) | +9.65% | - | |
| Volatility (annualized) | 13.6% | 57.7% | |
| Max Drawdown | -33.4% | -54.1% | |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Aug 4, 2022 |
SCHD vs STCE Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Schwab Crypto Thematic Natural Language Processing ETF (STCE) is a ETF from Charles Schwab Asset Management. Over the past year SCHD returned +30.90% while STCE returned +12.63%. Year to date, SCHD is up 26.54% versus a loss of 4.78% for STCE.
Over three years, SCHD compounded at +16.29% per year against +40.19% for STCE. Across the full 4-year window we track, STCE has the edge at +25.91% annualized vs +11.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
STCE has been the more volatile fund, with annualized monthly volatility of 57.7% 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 -54.1% for STCE. 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while STCE charges 0.30%. On a $10,000 position that is $6 vs $30 annually, a gap of $24 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 1.74% for STCE.
Holdings Overlap
SCHD and STCE share 1 holdings out of 135 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in STCE | Difference |
|---|---|---|---|
| GVMXX | 0.05% | 0.14% | 0.09% |
Frequently Asked Questions
Which is cheaper, SCHD or STCE?
SCHD has an expense ratio of 0.06% while STCE charges 0.30%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, SCHD or STCE?
Over the past year SCHD returned +30.90% vs +12.63% for STCE, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.51% vs +25.91% for STCE. Past performance does not guarantee future results.
Which is riskier, SCHD or STCE?
STCE has been the more volatile fund at 57.7% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs STCE -54.1%.
Should I hold both SCHD and STCE?
SCHD and STCE have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and STCE?
SCHD and STCE share 1 common holdings with a 0.1% weight overlap. Combined, they hold 135 unique securities.
Which pays a higher dividend, SCHD or STCE?
SCHD yields 3.13% while STCE yields 1.74%, so SCHD currently pays the higher dividend yield.
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