SCHD vs TOTL
Schwab US Dividend Equity ETF vs State Street DoubleLine Total Return Tactical ETF
Which is better, SCHD or TOTL?
Large Cap Value against Short Term Low Quality.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
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 | TOTL |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.55% |
| AUM | $112.1B | $3.9B |
| Dividend Yield | 3.00% | 5.37% |
| Holdings | 103 | 1,723 |
| YTD Return | +25.07%Best | -2.07% |
| 1Y Return | +27.61%Best | -1.36% |
| 3Y Return (annualized) | +15.74%Best | +4.10% |
| 5Y Return (annualized) | +9.89%Best | +0.01% |
| Volatility (annualized) | 14.8% | 4.5%Best |
| Max Drawdown | -33.4% | -18.0%Best |
| $10,000 over 5 years | $16,025Best | $10,005 |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Short Term Low Quality |
| Inception | Oct 20, 2011 | Feb 23, 2015 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 24, 2015 to Sep 11, 2026 (11.5 years).
SCHD vs TOTL 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 TOTL Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and State Street DoubleLine Total Return Tactical ETF (TOTL) is an ETF from State Street Investment Management. Over the past year SCHD returned +27.61% while TOTL returned -1.36%. Year to date, SCHD is up 25.07% versus a loss of 2.07% for TOTL.
Over three years, SCHD compounded at +15.74% per year against +4.10% for TOTL; over five years the annualized figures are +9.89% and +0.01% respectively. Across the full 12-year window we track, SCHD has the edge at +10.12% annualized vs -0.14%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.8% compared with 4.5% for TOTL. 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 -18.0% for TOTL. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.39. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while TOTL 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 3.00% against 5.37% for TOTL.
You are not choosing between two funds in isolation.
Whichever of SCHD and TOTL 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 TOTL?
SCHD has an expense ratio of 0.06% while TOTL charges 0.55%. SCHD is the cheaper option, by $49 a year on a $10,000 investment.
Which performed better, SCHD or TOTL?
Over the past year SCHD returned +27.61% vs -1.36% for TOTL, so SCHD leads on 1-year performance. Over the longest common window we track (12 years), SCHD annualized +10.12% vs -0.14% for TOTL. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TOTL?
SCHD has been the more volatile fund at 14.8% annualized versus 4.5% for TOTL. Worst drawdown: SCHD -33.4% vs TOTL -18.0%.
Should I hold both SCHD and TOTL?
SCHD and TOTL have a monthly-return correlation of 0.39, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or TOTL?
SCHD yields 3.00% while TOTL yields 5.37%, so TOTL currently pays the higher dividend yield.
Is TOTL better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.