SCHD vs STK
Schwab US Dividend Equity ETF vs Columbia Seligman Premium Technology Growth Fund
Quick Verdict
SCHD has a lower expense ratio. STK delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | STK | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.13% | |
| AUM | $103.7B | $831M | |
| Dividend Yield | 3.31% | 3.29% | |
| Holdings | 104 | 75 | |
| YTD Return | +25.62% | +43.39% | |
| 1Y Return | +32.62% | +80.07% | |
| 3Y Return (annualized) | +15.58% | +32.49% | |
| 5Y Return (annualized) | +9.63% | +20.04% | |
| Volatility (annualized) | 13.6% | 22.9% | |
| Max Drawdown | -33.4% | -42.8% | |
| Fund Family | Charles Schwab Asset Management | Columbia Threadneedle Investments | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Nov 25, 2009 |
SCHD vs STK Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Columbia Seligman Premium Technology Growth Fund (STK) is a ETF from Columbia Threadneedle Investments. Over the past year SCHD returned +32.62% while STK returned +80.07%. Year to date, SCHD is up 25.62% versus a gain of 43.39% for STK.
Over three years, SCHD compounded at +15.58% per year against +32.49% for STK; over five years the annualized figures are +9.63% and +20.04% respectively. Across the full 15-year window we track, SCHD has the edge at +11.47% annualized vs +9.27%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
STK has been the more volatile fund, with annualized monthly volatility of 22.9% 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 -42.8% for STK. 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 0.61. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while STK charges 1.13%. On a $10,000 position that is $6 vs $113 annually, a gap of $107 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 3.29% for STK.
Holdings Overlap
SCHD and STK share 1 holdings out of 158 unique holdings combined, representing a 0.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in STK | Difference |
|---|---|---|---|
| QCOM | 2.72% | 0.80% | 1.92% |
Frequently Asked Questions
Which is cheaper, SCHD or STK?
SCHD has an expense ratio of 0.06% while STK charges 1.13%. SCHD is the cheaper option. On a $10,000 investment, that is $107 per year of difference.
Which performed better, SCHD or STK?
Over the past year SCHD returned +32.62% vs +80.07% for STK, so STK leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.47% vs +9.27% for STK. Past performance does not guarantee future results.
Which is riskier, SCHD or STK?
STK has been the more volatile fund at 22.9% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs STK -42.8%.
Should I hold both SCHD and STK?
SCHD and STK have a monthly-return correlation of 0.61, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and STK?
SCHD and STK share 1 common holdings with a 0.8% weight overlap. Combined, they hold 158 unique securities.
Which pays a higher dividend, SCHD or STK?
SCHD yields 3.31% while STK yields 3.29%, so SCHD currently pays the higher dividend yield.
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