SCHD vs THIR
SCHD vs THIR
Schwab US Dividend Equity ETF vs THOR Index Rotation ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | THIR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.69% | |
| AUM | $103.7B | $200M | |
| Dividend Yield | 3.31% | 0.33% | |
| Holdings | 104 | 4 | |
| YTD Return | +24.26% | +6.79% | |
| 1Y Return | +31.38% | +16.89% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 12.3% | |
| Max Drawdown | -33.4% | -10.1% | |
| Fund Family | Charles Schwab Asset Management | Thor Financial Technologies | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Sep 23, 2024 |
SCHD vs THIR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and THOR Index Rotation ETF (THIR) is a ETF from Thor Financial Technologies. Over the past year SCHD returned +31.38% while THIR returned +16.89%. Year to date, SCHD is up 24.26% versus a gain of 6.79% for THIR.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.3% for THIR. 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 -10.1% for THIR. 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 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while THIR charges 0.69%. On a $10,000 position that is $6 vs $69 annually, a gap of $63 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.33% for THIR.
Holdings Overlap
SCHD and THIR share 0 holdings out of 102 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 THIR?
SCHD has an expense ratio of 0.06% while THIR charges 0.69%. SCHD is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, SCHD or THIR?
Over the past year SCHD returned +31.38% vs +16.89% for THIR, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.39% vs +19.25% for THIR. Past performance does not guarantee future results.
Which is riskier, SCHD or THIR?
SCHD has been the more volatile fund at 13.6% annualized versus 12.3% for THIR. Worst drawdown: SCHD -33.4% vs THIR -10.1%.
Should I hold both SCHD and THIR?
SCHD and THIR have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and THIR?
SCHD and THIR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, SCHD or THIR?
SCHD yields 3.31% while THIR yields 0.33%, so SCHD currently pays the higher dividend yield.
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