SCHD vs TRSY
Schwab US Dividend Equity ETF vs Xtrackers US 0-1 Year Treasury ETF
Which is better, SCHD or TRSY?
Large Cap Value against Short Term Government Bond.
SCHD led over 1Y 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 | TRSY |
|---|---|---|
| Expense Ratio | 0.06%Tie | 0.06%Tie |
| AUM | $112.1B | $95M |
| Dividend Yield | 3.00% | 3.53% |
| Holdings | 103 | 88 |
| YTD Return | +23.46%Best | +0.32% |
| 1Y Return | +27.20%Best | +1.07% |
| 3Y Return (annualized) | +15.41% | - |
| 5Y Return (annualized) | +10.16% | - |
| Volatility (annualized) | 14.2% | 0.6%Best |
| Max Drawdown | -16.1% | -0.8%Best |
| $10,000 over 1.9 years | $12,618Best | $10,517 |
| Fund Family | Charles Schwab Asset Management | Xtrackers ETFs |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Short Term Government Bond |
| Inception | Oct 20, 2011 | Oct 9, 2024 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.9 years row, are measured over the window both funds cover: Oct 9, 2024 to Sep 18, 2026 (1.9 years).
SCHD vs TRSY 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 1.9 years both funds cover.
SCHD vs TRSY Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Xtrackers US 0-1 Year Treasury ETF (TRSY) is an ETF from Xtrackers ETFs. Over the past year SCHD returned +27.20% while TRSY returned +1.07%. Year to date, SCHD is up 23.46% versus a gain of 0.32% for TRSY.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 0.6% for TRSY. 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 -0.8% for TRSY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at -0.09. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while TRSY charges 0.06%. On a $10,000 position that is $6 vs $6 annually. On income, SCHD currently yields 3.00% against 3.53% for TRSY.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 47 in TRSY, totalling 100.0% and 34.2% 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 47 in TRSY, against full books of 103 and 88.
You are not choosing between two funds in isolation.
Whichever of SCHD and TRSY 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 TRSY?
SCHD has an expense ratio of 0.06% while TRSY charges 0.06%. At the precision these are quoted to, they cost the same.
Which performed better, SCHD or TRSY?
Over the past year SCHD returned +27.20% vs +1.07% for TRSY, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +13.02% vs +2.69% for TRSY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TRSY?
SCHD has been the more volatile fund at 14.2% annualized versus 0.6% for TRSY. Worst drawdown: SCHD -16.1% vs TRSY -0.8%.
Should I hold both SCHD and TRSY?
SCHD and TRSY have a monthly-return correlation of -0.09, 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 TRSY?
SCHD yields 3.00% while TRSY yields 3.53%, so TRSY currently pays the higher dividend yield.
Is TRSY better than SCHD?
SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.