SCHD vs TECL
SCHD vs TECL
Schwab US Dividend Equity ETF vs Direxion Daily Technology Bull 3X ETF
Quick Verdict
SCHD has a lower expense ratio. TECL delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | TECL | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.87% | |
| AUM | $103.7B | $5.0B | |
| Dividend Yield | 3.31% | 3.62% | |
| Holdings | 104 | 86 | |
| YTD Return | +24.26% | +79.46% | |
| 1Y Return | +31.38% | +117.94% | |
| 3Y Return (annualized) | +15.08% | +66.03% | |
| 5Y Return (annualized) | +9.72% | +29.51% | |
| Volatility (annualized) | 13.6% | 60.1% | |
| Max Drawdown | -33.4% | -78.0% | |
| Fund Family | Charles Schwab Asset Management | Direxion Shares ETF Trust | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Dec 17, 2008 |
SCHD vs TECL Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Direxion Daily Technology Bull 3X ETF (TECL) is a ETF from Direxion Shares ETF Trust. Over the past year SCHD returned +31.38% while TECL returned +117.94%. Year to date, SCHD is up 24.26% versus a gain of 79.46% for TECL.
Over three years, SCHD compounded at +15.08% per year against +66.03% for TECL; over five years the annualized figures are +9.72% and +29.51% respectively. Across the full 14-year window we track, TECL has the edge at +45.05% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TECL has been the more volatile fund, with annualized monthly volatility of 60.1% 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 -78.0% for TECL. 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 TECL charges 0.87%. On a $10,000 position that is $6 vs $87 annually, a gap of $81 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 3.62% for TECL.
Holdings Overlap
SCHD and TECL share 4 holdings out of 174 unique holdings combined, representing a 2.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in TECL | Difference |
|---|---|---|---|
| TXN | 3.70% | 1.02% | 2.68% |
| QCOM | 2.72% | 0.78% | 1.94% |
| ACN | 2.24% | 0.30% | 1.94% |
| SWKS | Pro | Pro | Pro |
See all 4 holdings SCHD shares with TECL Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, SCHD or TECL?
SCHD has an expense ratio of 0.06% while TECL charges 0.87%. SCHD is the cheaper option. On a $10,000 investment, that is $81 per year of difference.
Which performed better, SCHD or TECL?
Over the past year SCHD returned +31.38% vs +117.94% for TECL, so TECL leads on 1-year performance. Over the longest common window we track (14 years), SCHD annualized +11.39% vs +45.05% for TECL. Past performance does not guarantee future results.
Which is riskier, SCHD or TECL?
TECL has been the more volatile fund at 60.1% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs TECL -78.0%.
Should I hold both SCHD and TECL?
SCHD and TECL 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 TECL?
SCHD and TECL share 4 common holdings with a 2.1% weight overlap. Combined, they hold 174 unique securities.
Which pays a higher dividend, SCHD or TECL?
SCHD yields 3.31% while TECL yields 3.62%, so TECL currently pays the higher dividend yield.
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