SCHD vs TOT
Schwab US Dividend Equity ETF vs LionShares US Equity Total Return 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 | TOT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.07% | |
| AUM | $103.7B | $10M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 1 | |
| YTD Return | +25.33% | +14.09% | |
| 1Y Return | +32.31% | +21.28% | |
| 3Y Return (annualized) | +15.40% | - | |
| 5Y Return (annualized) | +9.70% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -9.0% | |
| Fund Family | Charles Schwab Asset Management | LionShares LLC | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Sep 1, 2025 |
SCHD vs TOT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and LionShares US Equity Total Return ETF (TOT) is a ETF from LionShares LLC. Over the past year SCHD returned +32.31% while TOT returned +21.28%. Year to date, SCHD is up 25.33% versus a gain of 14.09% for TOT.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -9.0% for TOT. 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 TOT charges 0.07%. On a $10,000 position that is $6 vs $7 annually, a gap of $1 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.00% for TOT.
Holdings Overlap
SCHD and TOT 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 TOT?
SCHD has an expense ratio of 0.06% while TOT charges 0.07%. SCHD is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, SCHD or TOT?
Over the past year SCHD returned +32.31% vs +21.28% for TOT, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between SCHD and TOT?
SCHD and TOT share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or TOT?
SCHD yields 3.31% while TOT yields 0.00%, so SCHD currently pays the higher dividend yield.
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