SCHD vs STXT
SCHD vs STXT
Schwab US Dividend Equity ETF vs Strive Total Return Bond ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. STXT offers more diversification with 147 holdings.
Side-by-Side Comparison
| Metric | SCHD | STXT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.49% | |
| AUM | $103.7B | $119M | |
| Dividend Yield | 3.31% | 5.07% | |
| Holdings | 104 | 219 | |
| YTD Return | +24.26% | -0.29% | |
| 1Y Return | +31.38% | +0.99% | |
| 3Y Return (annualized) | +15.08% | +3.77% | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 5.5% | |
| Max Drawdown | -33.4% | -5.8% | |
| Fund Family | Charles Schwab Asset Management | Strive Asset Management | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Aug 10, 2023 |
SCHD vs STXT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Strive Total Return Bond ETF (STXT) is a ETF from Strive Asset Management. Over the past year SCHD returned +31.38% while STXT returned +0.99%. Year to date, SCHD is up 24.26% versus a loss of 0.29% for STXT.
Over three years, SCHD compounded at +15.08% per year against +3.77% for STXT. Across the full 3-year window we track, SCHD has the edge at +11.39% annualized vs +3.77%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 5.5% for STXT. 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 -5.8% for STXT. 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 0.59. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while STXT charges 0.49%. On a $10,000 position that is $6 vs $49 annually, a gap of $43 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.07% for STXT.
Holdings Overlap
SCHD and STXT share 0 holdings out of 247 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 STXT?
SCHD has an expense ratio of 0.06% while STXT charges 0.49%. SCHD is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, SCHD or STXT?
Over the past year SCHD returned +31.38% vs +0.99% for STXT, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +3.77% for STXT. Past performance does not guarantee future results.
Which is riskier, SCHD or STXT?
SCHD has been the more volatile fund at 13.6% annualized versus 5.5% for STXT. Worst drawdown: SCHD -33.4% vs STXT -5.8%.
Should I hold both SCHD and STXT?
SCHD and STXT have a monthly-return correlation of 0.59, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and STXT?
SCHD and STXT share 0 common holdings with a 0.0% weight overlap. Combined, they hold 247 unique securities.
Which pays a higher dividend, SCHD or STXT?
SCHD yields 3.31% while STXT yields 5.07%, so STXT currently pays the higher dividend yield.
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