SCHD vs THTA
SCHD vs THTA
Schwab US Dividend Equity ETF vs SoFi Enhanced Yield 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 | THTA | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.61% | |
| AUM | $103.7B | $54M | |
| Dividend Yield | 3.31% | 11.12% | |
| Holdings | 104 | 10 | |
| YTD Return | +24.26% | +9.55% | |
| 1Y Return | +31.38% | +16.29% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 13.4% | |
| Max Drawdown | -33.4% | -31.4% | |
| Fund Family | Charles Schwab Asset Management | SoFi | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Nov 15, 2023 |
SCHD vs THTA Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and SoFi Enhanced Yield ETF (THTA) is a ETF from SoFi. Over the past year SCHD returned +31.38% while THTA returned +16.29%. Year to date, SCHD is up 24.26% versus a gain of 9.55% for THTA.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.4% for THTA. 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 -31.4% for THTA. 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while THTA charges 0.61%. On a $10,000 position that is $6 vs $61 annually, a gap of $55 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 11.12% for THTA.
Holdings Overlap
SCHD and THTA share 0 holdings out of 105 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 THTA?
SCHD has an expense ratio of 0.06% while THTA charges 0.61%. SCHD is the cheaper option. On a $10,000 investment, that is $55 per year of difference.
Which performed better, SCHD or THTA?
Over the past year SCHD returned +31.38% vs +16.29% for THTA, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +1.99% for THTA. Past performance does not guarantee future results.
Which is riskier, SCHD or THTA?
SCHD has been the more volatile fund at 13.6% annualized versus 13.4% for THTA. Worst drawdown: SCHD -33.4% vs THTA -31.4%.
Should I hold both SCHD and THTA?
SCHD and THTA have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and THTA?
SCHD and THTA share 0 common holdings with a 0.0% weight overlap. Combined, they hold 105 unique securities.
Which pays a higher dividend, SCHD or THTA?
SCHD yields 3.31% while THTA yields 11.12%, so THTA currently pays the higher dividend yield.
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