SCHD vs TOS
Schwab US Dividend Equity ETF vs Twin Oak Strategic Solutions ETF
Which is better, SCHD or TOS?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 76.1%.
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 | TOS |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.36% |
| AUM | $112.1B | $153M |
| Dividend Yield | 3.00% | 0.00% |
| Holdings | 103 | 28 |
| YTD Return | +25.88%Best | +16.15% |
| 1Y Return | +30.22% | - |
| 3Y Return (annualized) | +16.05% | - |
| 5Y Return (annualized) | +10.17% | - |
| Top 10 Weight | 41.8%Best | 76.1% |
| Fund Family | Charles Schwab Asset Management | Twin Oak |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jan 27, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
SCHD vs TOS 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SCHD vs TOS Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Twin Oak Strategic Solutions ETF (TOS) is an ETF from Twin Oak. Year to date, SCHD is up 25.88% versus a gain of 16.15% for TOS.
Past performance does not guarantee future results.
Fees and Cost Over Time
SCHD charges 0.06% per year while TOS charges 0.36%. On a $10,000 position that is $6 vs $36 annually, a gap of $30 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.00% for TOS.
Holdings Overlap
4.2% of SCHD's money is in holdings TOS also owns. 3.6% of TOS's money is in holdings SCHD also owns.
SCHD and TOS share little of their money.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 20 in TOS, against full books of 103 and 28.
What only one of them owns
Our book lists 16 positions for TOS that do not appear in our book for SCHD (67.4% of the fund), and 98 for SCHD that do not appear in TOS (95.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in TOS | Difference |
|---|---|---|---|
| KOCoca Cola Co. | 4.17% | 3.61% | 0.56% |
You are not choosing between two funds in isolation.
Whichever of SCHD and TOS 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 TOS?
SCHD has an expense ratio of 0.06% while TOS charges 0.36%. SCHD is the cheaper option, by $30 a year on a $10,000 investment.
What is the holdings overlap between SCHD and TOS?
4.2% of SCHD's money is in holdings TOS also owns. 3.6% of TOS's is in holdings SCHD also owns. They hold 1 positions in common, counted across the 100 positions we hold weights for in SCHD and 20 in TOS.
Which pays a higher dividend, SCHD or TOS?
SCHD yields 3.00% while TOS yields 0.00%, so SCHD currently pays the higher dividend yield.
Is TOS better than SCHD?
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 76.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.