SCHD vs TRSY
Schwab US Dividend Equity ETF vs Xtrackers US 0-1 Year Treasury ETF
Quick Verdict
SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | TRSY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.06% | |
| AUM | $103.7B | $80M | |
| Dividend Yield | 3.31% | 3.72% | |
| Holdings | 104 | 88 | |
| YTD Return | +25.33% | +0.28% | |
| 1Y Return | +32.31% | +1.56% | |
| 3Y Return (annualized) | +15.40% | - | |
| 5Y Return (annualized) | +9.70% | - | |
| Volatility (annualized) | 13.6% | 0.6% | |
| Max Drawdown | -33.4% | -0.8% | |
| Fund Family | Charles Schwab Asset Management | Xtrackers ETFs | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Oct 9, 2024 |
SCHD vs TRSY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Xtrackers US 0-1 Year Treasury ETF (TRSY) is a ETF from Xtrackers ETFs. Over the past year SCHD returned +32.31% while TRSY returned +1.56%. Year to date, SCHD is up 25.33% versus a gain of 0.28% for TRSY.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% 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 -33.4% for SCHD and -0.8% for TRSY. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at -0.22. They move independently enough that combining them can meaningfully diversify a portfolio.
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 3.31% against 3.72% for TRSY.
Holdings Overlap
SCHD and TRSY share 0 holdings out of 148 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 TRSY?
SCHD has an expense ratio of 0.06% while TRSY charges 0.06%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, SCHD or TRSY?
Over the past year SCHD returned +32.31% vs +1.56% for TRSY, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.45% vs +2.83% for TRSY. Past performance does not guarantee future results.
Which is riskier, SCHD or TRSY?
SCHD has been the more volatile fund at 13.6% annualized versus 0.6% for TRSY. Worst drawdown: SCHD -33.4% vs TRSY -0.8%.
Should I hold both SCHD and TRSY?
SCHD and TRSY have a monthly-return correlation of -0.22, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TRSY?
SCHD and TRSY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 148 unique securities.
Which pays a higher dividend, SCHD or TRSY?
SCHD yields 3.31% while TRSY yields 3.72%, so TRSY currently pays the higher dividend yield.
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