SCHD vs SURE
Schwab US Dividend Equity ETF vs AdvisorShares Insider Advantage 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 | SURE | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.90% | |
| AUM | $108.7B | $58M | |
| Dividend Yield | 3.13% | 0.87% | |
| Holdings | 104 | 102 | |
| YTD Return | +26.54% | +19.56% | |
| 1Y Return | +30.90% | +27.88% | |
| 3Y Return (annualized) | +16.29% | +17.26% | |
| 5Y Return (annualized) | +9.65% | +10.94% | |
| Volatility (annualized) | 13.6% | 15.5% | |
| Max Drawdown | -33.4% | -35.7% | |
| Fund Family | Charles Schwab Asset Management | Advisor Shares | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Oct 4, 2011 |
SCHD vs SURE Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and AdvisorShares Insider Advantage ETF (SURE) is a ETF from Advisor Shares. Over the past year SCHD returned +30.90% while SURE returned +27.88%. Year to date, SCHD is up 26.54% versus a gain of 19.56% for SURE.
Over three years, SCHD compounded at +16.29% per year against +17.26% for SURE; over five years the annualized figures are +9.65% and +10.94% respectively. Across the full 15-year window we track, SURE has the edge at +13.51% annualized vs +11.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SURE has been the more volatile fund, with annualized monthly volatility of 15.5% 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 -35.7% for SURE. 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while SURE charges 0.90%. On a $10,000 position that is $6 vs $90 annually, a gap of $84 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.87% for SURE.
Holdings Overlap
SCHD and SURE share 6 holdings out of 195 unique holdings combined, representing a 4.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or SURE?
SCHD has an expense ratio of 0.06% while SURE charges 0.90%. SCHD is the cheaper option. On a $10,000 investment, that is $84 per year of difference.
Which performed better, SCHD or SURE?
Over the past year SCHD returned +30.90% vs +27.88% for SURE, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.51% vs +13.51% for SURE. Past performance does not guarantee future results.
Which is riskier, SCHD or SURE?
SURE has been the more volatile fund at 15.5% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SURE -35.7%.
Should I hold both SCHD and SURE?
SCHD and SURE have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SURE?
SCHD and SURE share 6 common holdings with a 4.7% weight overlap. Combined, they hold 195 unique securities.
Which pays a higher dividend, SCHD or SURE?
SCHD yields 3.13% while SURE yields 0.87%, so SCHD currently pays the higher dividend yield.
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