SCHD vs TOTR
Schwab US Dividend Equity ETF vs T. Rowe Price Total Return ETF
Which is better, SCHD or TOTR?
SCHD has been ahead.
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 | TOTR |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.31% |
| AUM | $112.1B | $571M |
| Dividend Yield | 3.00% | 5.36% |
| Holdings | 103 | 1,222 |
| YTD Return | +23.46%Best | -0.95% |
| 1Y Return | +27.20%Best | +0.16% |
| 3Y Return (annualized) | +15.41%Best | +4.55% |
| 5Y Return (annualized) | +10.16%Best | -0.58% |
| Volatility (annualized) | 14.9% | 6.5%Best |
| Max Drawdown | -16.9%Best | -19.6% |
| $10,000 over 5 years | $16,223Best | $9,713 |
| Fund Family | Charles Schwab Asset Management | T.Rowe Price |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | - |
| Inception | Oct 20, 2011 | Sep 28, 2021 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 29, 2021 to Sep 18, 2026 (5 years).
SCHD vs TOTR 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 covers the 5 years both funds cover.
SCHD vs TOTR Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and T. Rowe Price Total Return ETF (TOTR) is an ETF from T.Rowe Price. Over the past year SCHD returned +27.20% while TOTR returned +0.16%. Year to date, SCHD is up 23.46% versus a loss of 0.95% for TOTR.
Over three years, SCHD compounded at +15.41% per year against +4.55% for TOTR; over five years the annualized figures are +10.16% and -0.58% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.9% compared with 6.5% for TOTR. 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 -16.9% for SCHD and -19.6% for TOTR. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.54. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while TOTR charges 0.31%. On a $10,000 position that is $6 vs $31 annually, a gap of $25 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 5.36% for TOTR.
Holdings Overlap
At least 0.7% of SCHD's money is in holdings TOTR also owns.
Stated as a floor: for TOTR, our book for it covers 61.1% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 533 in TOTR, against full books of 103 and 1,222.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in TOTR | Difference |
|---|---|---|---|
| ARESAres Management Corp A | 0.74% | 0.02% | 0.72% |
You are not choosing between two funds in isolation.
Whichever of SCHD and TOTR 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 TOTR?
SCHD has an expense ratio of 0.06% while TOTR charges 0.31%. SCHD is the cheaper option, by $25 a year on a $10,000 investment.
Which performed better, SCHD or TOTR?
Over the past year SCHD returned +27.20% vs +0.16% for TOTR, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TOTR?
SCHD has been the more volatile fund at 14.9% annualized versus 6.5% for TOTR. Worst drawdown: SCHD -16.9% vs TOTR -19.6%.
Should I hold both SCHD and TOTR?
SCHD and TOTR have a monthly-return correlation of 0.54, 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 TOTR?
SCHD yields 3.00% while TOTR yields 5.36%, so TOTR currently pays the higher dividend yield.
Is TOTR 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.