SCHD vs SUSL
Schwab US Dividend Equity ETF vs iShares ESG MSCI USA Leaders ETF
Which is better, SCHD or SUSL?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, SUSL over 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 47.9%.
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 | SUSL |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.10% |
| AUM | $112.1B | $1.2B |
| Dividend Yield | 3.00% | 0.95% |
| Holdings | 103 | 269 |
| YTD Return | +23.46%Best | +12.30% |
| 1Y Return | +27.20%Best | +18.36% |
| 3Y Return (annualized) | +15.41% | +21.43%Best |
| 5Y Return (annualized) | +10.16% | +13.40%Best |
| Volatility (annualized) | 16.3%Best | 17.0% |
| Max Drawdown | -33.4%Best | -34.3% |
| $10,000 over 5 years | $16,223 | $18,753Best |
| Top 10 Weight | 41.8%Best | 47.9% |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | May 7, 2019 |
Volatility and max drawdown are measured over the window both funds cover: May 10, 2019 to Sep 18, 2026 (7.4 years).
SCHD vs SUSL 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 7.4 years both funds cover.
SCHD vs SUSL Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and iShares ESG MSCI USA Leaders ETF (SUSL) is an ETF from iShares by BlackRock (US). Over the past year SCHD returned +27.20% while SUSL returned +18.36%. Year to date, SCHD is up 23.46% versus a gain of 12.30% for SUSL.
Over three years, SCHD compounded at +15.41% per year against +21.43% for SUSL; over five years the annualized figures are +10.16% and +13.40% respectively. Across the full 7-year window we track, SUSL has the edge at +16.13% annualized vs +12.15%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SUSL has been the more volatile fund, with annualized monthly volatility of 17.0% compared with 16.3% 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 -34.3% for SUSL. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while SUSL charges 0.10%. On a $10,000 position that is $6 vs $10 annually, a gap of $4 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.95% for SUSL.
Holdings Overlap
53.9% of SCHD's money is in holdings SUSL also owns. 8.7% of SUSL's money is in holdings SCHD also owns.
The two portfolios partly overlap.
26 positions in common, counted across the 100 positions we hold weights for in SCHD and 251 in SUSL, against full books of 103 and 269.
What only one of them owns
Our book lists 218 positions for SUSL that do not appear in our book for SCHD (90.7% of the fund), and 73 for SCHD that do not appear in SUSL (46.1%).
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 SUSL | Difference |
|---|---|---|---|
| MRKMerck & Company Inc | 4.77% | 1.05% | 3.72% |
| AMGNAmgen Inc. | 4.70% | 0.67% | 4.03% |
| KOCoca Cola Co. | 4.17% | 0.98% | 3.19% |
| HDHome Depot Inc/The | 3.88% | 0.94% | 2.94% |
| PGProcter & Gamble Company | 3.83% | 0.97% | 2.86% |
| VZVerizon Communic | 3.97% | 0.60% | 3.37% |
| PEPPepsico Inc. | 3.64% | 0.55% | 3.09% |
| BMYBristol-Myers Squibb Co. | 3.33% | 0.39% | 2.94% |
| ACNAccenture Plc | 2.84% | 0.33% | 2.51% |
| ADPAutomatic Data Processing, Inc. | 2.79% | 0.33% | 2.46% |
53.9% of SCHD is already inside SUSL.
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 SUSL?
SCHD has an expense ratio of 0.06% while SUSL charges 0.10%. SCHD is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, SCHD or SUSL?
Over the past year SCHD returned +27.20% vs +18.36% for SUSL, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +12.15% vs +16.13% for SUSL. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or SUSL?
SUSL has been the more volatile fund at 17.0% annualized versus 16.3% for SCHD. Worst drawdown: SCHD -33.4% vs SUSL -34.3%.
Should I hold both SCHD and SUSL?
SCHD and SUSL have a monthly-return correlation of 0.77, 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 SUSL?
53.9% of SCHD's money is in holdings SUSL also owns. 8.7% of SUSL's is in holdings SCHD also owns. They hold 26 positions in common, counted across the 100 positions we hold weights for in SCHD and 251 in SUSL.
Which pays a higher dividend, SCHD or SUSL?
SCHD yields 3.00% while SUSL yields 0.95%, so SCHD currently pays the higher dividend yield.
Is SUSL better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, SUSL over 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 47.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.