SCHD vs TCHI
Schwab US Dividend Equity ETF vs iShares MSCI China Multisector Tech ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. TCHI offers more diversification with 196 holdings.
Side-by-Side Comparison
| Metric | SCHD | TCHI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.59% | |
| AUM | $108.7B | $46M | |
| Dividend Yield | 3.13% | 2.36% | |
| Holdings | 104 | 196 | |
| YTD Return | +26.54% | -0.61% | |
| 1Y Return | +30.90% | +11.90% | |
| 3Y Return (annualized) | +16.29% | +13.85% | |
| 5Y Return (annualized) | +9.65% | - | |
| Volatility (annualized) | 13.6% | 32.2% | |
| Max Drawdown | -33.4% | -44.0% | |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jan 25, 2022 |
SCHD vs TCHI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and iShares MSCI China Multisector Tech ETF (TCHI) is a ETF from iShares by BlackRock (US). Over the past year SCHD returned +30.90% while TCHI returned +11.90%. Year to date, SCHD is up 26.54% versus a loss of 0.61% for TCHI.
Over three years, SCHD compounded at +16.29% per year against +13.85% for TCHI. Across the full 5-year window we track, SCHD has the edge at +11.51% annualized vs +1.12%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TCHI has been the more volatile fund, with annualized monthly volatility of 32.2% 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 -44.0% for TCHI. 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TCHI charges 0.59%. On a $10,000 position that is $6 vs $59 annually, a gap of $53 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 2.36% for TCHI.
Holdings Overlap
SCHD and TCHI share 0 holdings out of 290 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 TCHI?
SCHD has an expense ratio of 0.06% while TCHI charges 0.59%. SCHD is the cheaper option. On a $10,000 investment, that is $53 per year of difference.
Which performed better, SCHD or TCHI?
Over the past year SCHD returned +30.90% vs +11.90% for TCHI, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.51% vs +1.12% for TCHI. Past performance does not guarantee future results.
Which is riskier, SCHD or TCHI?
TCHI has been the more volatile fund at 32.2% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs TCHI -44.0%.
Should I hold both SCHD and TCHI?
SCHD and TCHI have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TCHI?
SCHD and TCHI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 290 unique securities.
Which pays a higher dividend, SCHD or TCHI?
SCHD yields 3.13% while TCHI yields 2.36%, so SCHD currently pays the higher dividend yield.
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