SCHD vs STOX
Schwab US Dividend Equity ETF vs Horizon Core Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. STOX offers more diversification with 166 holdings.
Side-by-Side Comparison
| Metric | SCHD | STOX | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.70% | |
| AUM | $103.7B | $160M | |
| Dividend Yield | 3.31% | 0.17% | |
| Holdings | 104 | 168 | |
| YTD Return | +25.33% | +13.78% | |
| 1Y Return | +32.31% | +22.54% | |
| 3Y Return (annualized) | +15.40% | - | |
| 5Y Return (annualized) | +9.70% | - | |
| Volatility (annualized) | 13.6% | 12.1% | |
| Max Drawdown | -33.4% | -9.3% | |
| Fund Family | Charles Schwab Asset Management | Horizon Funds | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jun 25, 2025 |
SCHD vs STOX Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Horizon Core Equity ETF (STOX) is a ETF from Horizon Funds. Over the past year SCHD returned +32.31% while STOX returned +22.54%. Year to date, SCHD is up 25.33% versus a gain of 13.78% for STOX.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.1% for STOX. 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 -9.3% for STOX. 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 0.24. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while STOX charges 0.70%. On a $10,000 position that is $6 vs $70 annually, a gap of $64 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.17% for STOX.
Holdings Overlap
SCHD and STOX share 20 holdings out of 246 unique holdings combined, representing a 8.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or STOX?
SCHD has an expense ratio of 0.06% while STOX charges 0.70%. SCHD is the cheaper option. On a $10,000 investment, that is $64 per year of difference.
Which performed better, SCHD or STOX?
Over the past year SCHD returned +32.31% vs +22.54% for STOX, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.45% vs +24.47% for STOX. Past performance does not guarantee future results.
Which is riskier, SCHD or STOX?
SCHD has been the more volatile fund at 13.6% annualized versus 12.1% for STOX. Worst drawdown: SCHD -33.4% vs STOX -9.3%.
Should I hold both SCHD and STOX?
SCHD and STOX have a monthly-return correlation of 0.24, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and STOX?
SCHD and STOX share 20 common holdings with a 8.7% weight overlap. Combined, they hold 246 unique securities.
Which pays a higher dividend, SCHD or STOX?
SCHD yields 3.31% while STOX yields 0.17%, so SCHD currently pays the higher dividend yield.
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