SCHD vs STOX
Schwab US Dividend Equity ETF vs Horizon Core Equity ETF
Which is better, SCHD or STOX?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. STOX is less concentrated, with 41.6% of the fund in its ten largest positions against 41.8%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SCHD | STOX |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.70% |
| AUM | $108.9B | $230M |
| Dividend Yield | 3.00% | 0.17% |
| Holdings | 206 | 346 |
| YTD Return | +22.89%Best | +15.09% |
| 1Y Return | +29.27%Best | +18.42% |
| 3Y Return (annualized) | +16.56% | - |
| 5Y Return (annualized) | +9.63% | - |
| Volatility (annualized) | 13.7% | 11.2%Best |
| Max Drawdown | -6.9%Best | -9.3% |
| $10,000 over 1.3 years | $13,184Best | $12,946 |
| Top 10 Weight | 41.8% | 41.6%Best |
| Fund Family | Charles Schwab Asset Management | Horizon Funds |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jun 25, 2025 |
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: Jun 26, 2025 to Oct 12, 2026 (1.3 years).
SCHD vs STOX growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.3 years both funds cover.
SCHD vs STOX Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Horizon Core Equity ETF (STOX) is an ETF from Horizon Funds. Over the past year SCHD returned +29.27% while STOX returned +18.42%. Year to date, SCHD is up 22.89% versus a gain of 15.09% for STOX.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 11.2% 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 -6.9% for SCHD and -9.3% for STOX. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.27. They move largely independently of each other.
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 3.00% against 0.17% for STOX.
Holdings Overlap
69.1% of SCHD's money is in holdings STOX also owns. 8.6% of STOX's money is in holdings SCHD also owns.
The two portfolios partly overlap.
20 positions in common, counted across the 99 positions we hold weights for in SCHD and 166 in STOX, against full books of 206 and 346.
What only one of them owns
Our book lists 146 positions for STOX that do not appear in our book for SCHD (91.2% of the fund), and 78 for SCHD that do not appear in STOX (30.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in STOX | Difference |
|---|---|---|---|
| MRKMerck & Company Inc | 4.77% | 0.89% | 3.88% |
| CVXChevron Corp | 4.29% | 0.95% | 3.34% |
| KOCoca Cola Co. | 4.26% | 0.84% | 3.42% |
| VZVerizon Communications Inc Vz | 4.12% | 0.60% | 3.52% |
| ABTAbbott Laboratories | 4.44% | 0.27% | 4.17% |
| PGProcter & Gamble Company | 3.94% | 0.72% | 3.22% |
| COPConocophillips Common Stock USD 0.01 | 4.19% | 0.39% | 3.80% |
| AMGNAmgen Inc. | 4.24% | 0.26% | 3.98% |
| HDHome Depot Inc/The | 3.75% | 0.68% | 3.07% |
| UNHUnitedhealth Group Incorporated | 3.82% | 0.39% | 3.43% |
69.1% of SCHD is already inside STOX.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $64 a year on a $10,000 investment.
Which performed better, SCHD or STOX?
Over the past year SCHD returned +29.27% vs +18.42% for STOX, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +23.69% vs +21.97% for STOX. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or STOX?
SCHD has been the more volatile fund at 13.7% annualized versus 11.2% for STOX. Worst drawdown: SCHD -6.9% vs STOX -9.3%.
Should I hold both SCHD and STOX?
SCHD and STOX have a monthly-return correlation of 0.27, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and STOX?
69.1% of SCHD's money is in holdings STOX also owns. 8.6% of STOX's is in holdings SCHD also owns. They hold 20 positions in common, counted across the 99 positions we hold weights for in SCHD and 166 in STOX.
Which pays a higher dividend, SCHD or STOX?
SCHD yields 3.00% while STOX yields 0.17%, so SCHD currently pays the higher dividend yield.
Is STOX better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. STOX is less concentrated, with 41.6% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.