SCHD vs TEMT
Schwab US Dividend Equity ETF vs Tradr 2X Long TEM Daily 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 | TEMT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.30% | |
| AUM | $108.7B | $38M | |
| Dividend Yield | 3.13% | 0.00% | |
| Holdings | 104 | 6 | |
| YTD Return | +27.67% | +146.90% | |
| 1Y Return | +29.56% | +17.32% | |
| 3Y Return (annualized) | +16.53% | - | |
| 5Y Return (annualized) | +9.95% | - | |
| Volatility (annualized) | 13.6% | 190.6% | |
| Max Drawdown | -33.4% | -84.0% | |
| Fund Family | Charles Schwab Asset Management | Tradr ETFs | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | May 12, 2025 |
SCHD vs TEMT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Tradr 2X Long TEM Daily ETF (TEMT) is a ETF from Tradr ETFs. Over the past year SCHD returned +29.56% while TEMT returned +17.32%. Year to date, SCHD is up 27.67% versus a gain of 146.90% for TEMT.
Risk: Volatility and Drawdowns
TEMT has been the more volatile fund, with annualized monthly volatility of 190.6% 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 -84.0% for TEMT. 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 -0.11. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TEMT charges 1.30%. On a $10,000 position that is $6 vs $130 annually, a gap of $124 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.00% for TEMT.
Frequently Asked Questions
Which is cheaper, SCHD or TEMT?
SCHD has an expense ratio of 0.06% while TEMT charges 1.30%. SCHD is the cheaper option. On a $10,000 investment, that is $124 per year of difference.
Which performed better, SCHD or TEMT?
Over the past year SCHD returned +29.56% vs +17.32% for TEMT, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.55% vs +3.38% for TEMT. Past performance does not guarantee future results.
Which is riskier, SCHD or TEMT?
TEMT has been the more volatile fund at 190.6% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs TEMT -84.0%.
Should I hold both SCHD and TEMT?
SCHD and TEMT have a monthly-return correlation of -0.11, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or TEMT?
SCHD yields 3.13% while TEMT yields 0.00%, so SCHD currently pays the higher dividend yield.
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