SCHD vs THYM
Schwab US Dividend Equity ETF vs T. Rowe Price High Income Municipal ETF
Quick Verdict
SCHD has a lower expense ratio. THYM offers more diversification with 227 holdings.
Side-by-Side Comparison
| Metric | SCHD | THYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.32% | |
| AUM | $108.7B | $28M | |
| Dividend Yield | 3.13% | 2.99% | |
| Holdings | 104 | 227 | |
| YTD Return | +27.93% | +1.66% | |
| 1Y Return | +30.06% | - | |
| 3Y Return (annualized) | +16.25% | - | |
| 5Y Return (annualized) | +10.03% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -2.9% | |
| Fund Family | Charles Schwab Asset Management | T.Rowe Price | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Nov 19, 2025 |
SCHD vs THYM Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and T. Rowe Price High Income Municipal ETF (THYM) is a ETF from T.Rowe Price. Year to date, SCHD is up 27.93% versus a gain of 1.66% for THYM.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -2.9% for THYM. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while THYM charges 0.32%. On a $10,000 position that is $6 vs $32 annually, a gap of $26 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 2.99% for THYM.
Holdings Overlap
SCHD and THYM share 0 holdings out of 164 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 THYM?
SCHD has an expense ratio of 0.06% while THYM charges 0.32%. SCHD is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
What is the holdings overlap between SCHD and THYM?
SCHD and THYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 164 unique securities.
Which pays a higher dividend, SCHD or THYM?
SCHD yields 3.13% while THYM yields 2.99%, so SCHD currently pays the higher dividend yield.
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