SCHD vs TLTX
Schwab US Dividend Equity ETF vs Global X Treasury Bond Enhanced 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 | TLTX | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.29% | |
| AUM | $103.7B | $14M | |
| Dividend Yield | 3.31% | 17.35% | |
| Holdings | 104 | 15 | |
| YTD Return | +25.58% | -11.91% | |
| 1Y Return | +31.06% | -10.45% | |
| 3Y Return (annualized) | +15.55% | - | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | 9.3% | |
| Max Drawdown | -33.4% | -16.4% | |
| Fund Family | Charles Schwab Asset Management | Global X by mirae Asset | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Jul 15, 2025 |
SCHD vs TLTX Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Global X Treasury Bond Enhanced Income ETF (TLTX) is a ETF from Global X by mirae Asset. Over the past year SCHD returned +31.06% while TLTX returned -10.45%. Year to date, SCHD is up 25.58% versus a loss of 11.91% for TLTX.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.3% for TLTX. 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 -16.4% for TLTX. 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 -0.19. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TLTX charges 0.29%. On a $10,000 position that is $6 vs $29 annually, a gap of $23 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 17.35% for TLTX.
Holdings Overlap
SCHD and TLTX share 0 holdings out of 101 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 TLTX?
SCHD has an expense ratio of 0.06% while TLTX charges 0.29%. SCHD is the cheaper option. On a $10,000 investment, that is $23 per year of difference.
Which performed better, SCHD or TLTX?
Over the past year SCHD returned +31.06% vs -10.45% for TLTX, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.46% vs -7.91% for TLTX. Past performance does not guarantee future results.
Which is riskier, SCHD or TLTX?
SCHD has been the more volatile fund at 13.6% annualized versus 9.3% for TLTX. Worst drawdown: SCHD -33.4% vs TLTX -16.4%.
Should I hold both SCHD and TLTX?
SCHD and TLTX have a monthly-return correlation of -0.19, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TLTX?
SCHD and TLTX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or TLTX?
SCHD yields 3.31% while TLTX yields 17.35%, so TLTX currently pays the higher dividend yield.
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