SCHD vs STEN
Schwab US Dividend Equity ETF vs iShares Large Cap 10% Target Buffer Sep 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 | STEN | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.50% | |
| AUM | $108.7B | $40M | |
| Dividend Yield | 3.13% | 0.17% | |
| Holdings | 104 | 8 | |
| YTD Return | +27.67% | +11.23% | |
| 1Y Return | +29.56% | +13.22% | |
| 3Y Return (annualized) | +16.53% | - | |
| 5Y Return (annualized) | +9.95% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -6.2% | |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Sep 30, 2025 |
SCHD vs STEN Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and iShares Large Cap 10% Target Buffer Sep ETF (STEN) is a ETF from iShares by BlackRock (US). Over the past year SCHD returned +29.56% while STEN returned +13.22%. Year to date, SCHD is up 27.67% versus a gain of 11.23% for STEN.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -6.2% for STEN. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while STEN charges 0.50%. On a $10,000 position that is $6 vs $50 annually, a gap of $44 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.17% for STEN.
Holdings Overlap
SCHD and STEN share 0 holdings out of 102 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 STEN?
SCHD has an expense ratio of 0.06% while STEN charges 0.50%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, SCHD or STEN?
Over the past year SCHD returned +29.56% vs +13.22% for STEN, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between SCHD and STEN?
SCHD and STEN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, SCHD or STEN?
SCHD yields 3.13% while STEN yields 0.17%, so SCHD currently pays the higher dividend yield.
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