SCHD vs TOLL
Schwab US Dividend Equity ETF vs Tema Durable Quality ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | TOLL | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.55% | |
| AUM | $108.7B | $59M | |
| Dividend Yield | 3.13% | 0.26% | |
| Holdings | 104 | 37 | |
| YTD Return | +28.63% | +11.34% | |
| 1Y Return | +32.53% | +15.82% | |
| 3Y Return (annualized) | +16.97% | +16.46% | |
| 5Y Return (annualized) | +10.47% | - | |
| Volatility (annualized) | 13.7% | 15.5% | |
| Max Drawdown | -33.4% | -15.5% | |
| Fund Family | Charles Schwab Asset Management | Tema Global Limited | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | May 11, 2023 |
SCHD vs TOLL Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Tema Durable Quality ETF (TOLL) is a ETF from Tema Global Limited. Over the past year SCHD returned +32.53% while TOLL returned +15.82%. Year to date, SCHD is up 28.63% versus a gain of 11.34% for TOLL.
Over three years, SCHD compounded at +16.97% per year against +16.46% for TOLL. Across the full 3-year window we track, TOLL has the edge at +14.96% annualized vs +11.63%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TOLL has been the more volatile fund, with annualized monthly volatility of 15.5% compared with 13.7% 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 -33.4% for SCHD and -15.5% for TOLL. 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TOLL charges 0.55%. On a $10,000 position that is $6 vs $55 annually, a gap of $49 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.26% for TOLL.
Holdings Overlap
SCHD and TOLL share 0 holdings out of 135 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 TOLL?
SCHD has an expense ratio of 0.06% while TOLL charges 0.55%. SCHD is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, SCHD or TOLL?
Over the past year SCHD returned +32.53% vs +15.82% for TOLL, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.63% vs +14.96% for TOLL. Past performance does not guarantee future results.
Which is riskier, SCHD or TOLL?
TOLL has been the more volatile fund at 15.5% annualized versus 13.7% for SCHD. Worst drawdown: SCHD -33.4% vs TOLL -15.5%.
Should I hold both SCHD and TOLL?
SCHD and TOLL have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TOLL?
SCHD and TOLL share 0 common holdings with a 0.0% weight overlap. Combined, they hold 135 unique securities.
Which pays a higher dividend, SCHD or TOLL?
SCHD yields 3.13% while TOLL yields 0.26%, so SCHD currently pays the higher dividend yield.
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