SCHD vs TDSC
Schwab US Dividend Equity ETF vs ETC Cabana Target Drawdown 10 ETF
Which is better, SCHD or TDSC?
Large Cap Value against Allocation/Balanced.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 99.8%.
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 | TDSC |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.90% |
| AUM | $112.1B | $105M |
| Dividend Yield | 3.00% | 1.56% |
| Holdings | 103 | 11 |
| YTD Return | +23.46%Best | +12.39% |
| 1Y Return | +27.20%Best | +14.28% |
| 3Y Return (annualized) | +15.41%Best | +11.82% |
| 5Y Return (annualized) | +10.16%Best | +3.10% |
| Volatility (annualized) | 15.2% | 9.5%Best |
| Max Drawdown | -16.9%Best | -21.5% |
| $10,000 over 5 years | $16,223Best | $11,649 |
| Top 10 Weight | 41.8%Best | 99.8% |
| Fund Family | Charles Schwab Asset Management | The Cabana Group, LLC |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Value | Allocation/Balanced |
| Inception | Oct 20, 2011 | Sep 16, 2020 |
Volatility and max drawdown are measured over the window both funds cover: Sep 17, 2020 to Sep 18, 2026 (6 years).
SCHD vs TDSC 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 6 years both funds cover.
SCHD vs TDSC Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and ETC Cabana Target Drawdown 10 ETF (TDSC) is an ETF from The Cabana Group, LLC. Over the past year SCHD returned +27.20% while TDSC returned +14.28%. Year to date, SCHD is up 23.46% versus a gain of 12.39% for TDSC.
Over three years, SCHD compounded at +15.41% per year against +11.82% for TDSC; over five years the annualized figures are +10.16% and +3.10% respectively. Across the full 6-year window we track, SCHD has the edge at +13.56% annualized vs +4.07%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 15.2% compared with 9.5% for TDSC. 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 -16.9% for SCHD and -21.5% for TDSC. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.66. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while TDSC 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 3.00% against 1.56% for TDSC.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 10 in TDSC, totalling 100.0% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 10 in TDSC, against full books of 103 and 11.
What only one of them owns
Measured across the 100 and 10 positions we hold weights for.
SCHD holds 99 positions TDSC does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of SCHD and TDSC you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or TDSC?
SCHD has an expense ratio of 0.06% while TDSC charges 0.90%. SCHD is the cheaper option, by $84 a year on a $10,000 investment.
Which performed better, SCHD or TDSC?
Over the past year SCHD returned +27.20% vs +14.28% for TDSC, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +13.56% vs +4.07% for TDSC. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TDSC?
SCHD has been the more volatile fund at 15.2% annualized versus 9.5% for TDSC. Worst drawdown: SCHD -16.9% vs TDSC -21.5%.
Should I hold both SCHD and TDSC?
SCHD and TDSC have a monthly-return correlation of 0.66, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or TDSC?
SCHD yields 3.00% while TDSC yields 1.56%, so SCHD currently pays the higher dividend yield.
Is TDSC better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 99.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.