SCHD vs THY
SCHD vs THY
Schwab US Dividend Equity ETF vs Toews Agility Shares Dynamic Tactical Income 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 | THY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.03% | |
| AUM | $103.7B | $87M | |
| Dividend Yield | 3.31% | 5.42% | |
| Holdings | 104 | 2 | |
| YTD Return | +24.26% | +0.31% | |
| 1Y Return | +31.38% | +1.81% | |
| 3Y Return (annualized) | +15.08% | +4.61% | |
| 5Y Return (annualized) | +9.72% | +1.72% | |
| Volatility (annualized) | 13.6% | 4.0% | |
| Max Drawdown | -33.4% | -8.6% | |
| Fund Family | Charles Schwab Asset Management | TOEWS Funds | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Jun 25, 2020 |
SCHD vs THY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Toews Agility Shares Dynamic Tactical Income ETF (THY) is a ETF from TOEWS Funds. Over the past year SCHD returned +31.38% while THY returned +1.81%. Year to date, SCHD is up 24.26% versus a gain of 0.31% for THY.
Over three years, SCHD compounded at +15.08% per year against +4.61% for THY; over five years the annualized figures are +9.72% and +1.72% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +1.65%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.0% for THY. 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 -8.6% for THY. 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 0.61. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while THY charges 1.03%. On a $10,000 position that is $6 vs $103 annually, a gap of $97 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.42% for THY.
Frequently Asked Questions
Which is cheaper, SCHD or THY?
SCHD has an expense ratio of 0.06% while THY charges 1.03%. SCHD is the cheaper option. On a $10,000 investment, that is $97 per year of difference.
Which performed better, SCHD or THY?
Over the past year SCHD returned +31.38% vs +1.81% for THY, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +11.39% vs +1.65% for THY. Past performance does not guarantee future results.
Which is riskier, SCHD or THY?
SCHD has been the more volatile fund at 13.6% annualized versus 4.0% for THY. Worst drawdown: SCHD -33.4% vs THY -8.6%.
Should I hold both SCHD and THY?
SCHD and THY have a monthly-return correlation of 0.61, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or THY?
SCHD yields 3.31% while THY yields 5.42%, so THY currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.