SCHD vs TOUS
Schwab US Dividend Equity ETF vs T. Rowe Price International Equity ETF
Which is better, SCHD or TOUS?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, TOUS over 3Y and the full window. TOUS is less concentrated, with 17.0% of the fund in its ten largest positions against 41.8%.
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 | TOUS |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.50% |
| AUM | $112.1B | $1.7B |
| Dividend Yield | 3.00% | 1.52% |
| Holdings | 103 | 198 |
| YTD Return | +24.04%Best | +11.15% |
| 1Y Return | +27.95%Best | +17.02% |
| 3Y Return (annualized) | +15.51% | +17.66%Best |
| 5Y Return (annualized) | +9.80% | - |
| Volatility (annualized) | 13.3% | 13.1%Best |
| Max Drawdown | -16.1% | -14.3%Best |
| $10,000 over 3.3 years | $15,692 | $15,760Best |
| Top 10 Weight | 41.8% | 17.0%Best |
| Fund Family | Charles Schwab Asset Management | T.Rowe Price |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jun 14, 2023 |
Volatility and max drawdown, and the $10,000 over 3.3 years row, are measured over the window both funds cover: Jun 15, 2023 to Sep 16, 2026 (3.3 years).
SCHD vs TOUS 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 3.3 years both funds cover.
SCHD vs TOUS Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and T. Rowe Price International Equity ETF (TOUS) is an ETF from T.Rowe Price. Over the past year SCHD returned +27.95% while TOUS returned +17.02%. Year to date, SCHD is up 24.04% versus a gain of 11.15% for TOUS.
Over three years, SCHD compounded at +15.51% per year against +17.66% for TOUS.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.3% compared with 13.1% for TOUS. 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 -16.1% for SCHD and -14.3% for TOUS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while TOUS charges 0.50%. On a $10,000 position that is $6 vs $50 annually, a gap of $44 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 1.52% for TOUS.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 180 in TOUS, totalling 100.0% and 95.3% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 180 in TOUS, against full books of 103 and 198.
What only one of them owns
Our book lists 7 positions for TOUS that do not appear in our book for SCHD (2.3% of the fund), and 99 for SCHD that do not appear in TOUS (99.9%).
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.
You are not choosing between two funds in isolation.
Whichever of SCHD and TOUS 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 TOUS?
SCHD has an expense ratio of 0.06% while TOUS charges 0.50%. SCHD is the cheaper option, by $44 a year on a $10,000 investment.
Which performed better, SCHD or TOUS?
Over the past year SCHD returned +27.95% vs +17.02% for TOUS, 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 TOUS?
SCHD has been the more volatile fund at 13.3% annualized versus 13.1% for TOUS. Worst drawdown: SCHD -16.1% vs TOUS -14.3%.
Should I hold both SCHD and TOUS?
SCHD and TOUS have a monthly-return correlation of 0.68, 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 TOUS?
SCHD yields 3.00% while TOUS yields 1.52%, so SCHD currently pays the higher dividend yield.
Is TOUS better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, TOUS over 3Y and the full window. TOUS is less concentrated, with 17.0% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.