SCHD vs THTA
Schwab US Dividend Equity ETF vs SoFi Enhanced Yield ETF
Which is better, SCHD or THTA?
Large Cap Value against Long Term High Quality.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
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 | THTA |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.65% |
| AUM | $112.1B | $59M |
| Dividend Yield | 3.00% | 10.77% |
| Holdings | 103 | 9 |
| YTD Return | +23.68%Best | +11.57% |
| 1Y Return | +28.36%Best | +15.97% |
| 3Y Return (annualized) | +16.20% | - |
| 5Y Return (annualized) | +10.07% | - |
| Volatility (annualized) | 13.0%Best | 13.3% |
| Max Drawdown | -16.1%Best | -31.4% |
| $10,000 over 2.9 years | $15,821Best | $10,761 |
| Fund Family | Charles Schwab Asset Management | SoFi |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Long Term High Quality |
| Inception | Oct 20, 2011 | Nov 15, 2023 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Nov 15, 2023 to Sep 22, 2026 (2.9 years).
SCHD vs THTA 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 2.9 years both funds cover.
SCHD vs THTA Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and SoFi Enhanced Yield ETF (THTA) is an ETF from SoFi. Over the past year SCHD returned +28.36% while THTA returned +15.97%. Year to date, SCHD is up 23.68% versus a gain of 11.57% for THTA.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
THTA has been the more volatile fund, with annualized monthly volatility of 13.3% compared with 13.0% 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 -16.1% for SCHD and -31.4% for THTA. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.42. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while THTA charges 0.65%. On a $10,000 position that is $6 vs $65 annually, a gap of $59 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 10.77% for THTA.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 2 in THTA, totalling 100.0% and 21.5% 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 2 in THTA, against full books of 103 and 9.
You are not choosing between two funds in isolation.
Whichever of SCHD and THTA 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 THTA?
SCHD has an expense ratio of 0.06% while THTA charges 0.65%. SCHD is the cheaper option, by $59 a year on a $10,000 investment.
Which performed better, SCHD or THTA?
Over the past year SCHD returned +28.36% vs +15.97% for THTA, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or THTA?
THTA has been the more volatile fund at 13.3% annualized versus 13.0% for SCHD. Worst drawdown: SCHD -16.1% vs THTA -31.4%.
Should I hold both SCHD and THTA?
SCHD and THTA have a monthly-return correlation of 0.42, 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 THTA?
SCHD yields 3.00% while THTA yields 10.77%, so THTA currently pays the higher dividend yield.
Is THTA better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.