SCHD vs TRUD
Schwab US Dividend Equity ETF vs VanEck Consumer Discretionary TruSector ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | TRUD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.16% | |
| AUM | $103.7B | $38M | |
| Dividend Yield | 3.31% | 0.34% | |
| Holdings | 104 | 52 | |
| YTD Return | +26.21% | +2.57% | |
| 1Y Return | +29.99% | +8.07% | |
| 3Y Return (annualized) | +15.73% | - | |
| 5Y Return (annualized) | +9.67% | - | |
| Volatility (annualized) | 13.6% | 16.7% | |
| Max Drawdown | -33.4% | -16.0% | |
| Fund Family | Charles Schwab Asset Management | VanEck | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Aug 20, 2025 |
SCHD vs TRUD Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and VanEck Consumer Discretionary TruSector ETF (TRUD) is a ETF from VanEck. Over the past year SCHD returned +29.99% while TRUD returned +8.07%. Year to date, SCHD is up 26.21% versus a gain of 2.57% for TRUD.
Risk: Volatility and Drawdowns
TRUD has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 13.6% for SCHD. 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 -16.0% for TRUD. 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 0.18. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TRUD charges 0.16%. On a $10,000 position that is $6 vs $16 annually, a gap of $10 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.34% for TRUD.
Holdings Overlap
SCHD and TRUD share 4 holdings out of 144 unique holdings combined, representing a 2.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or TRUD?
SCHD has an expense ratio of 0.06% while TRUD charges 0.16%. SCHD is the cheaper option. On a $10,000 investment, that is $10 per year of difference.
Which performed better, SCHD or TRUD?
Over the past year SCHD returned +29.99% vs +8.07% for TRUD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, SCHD or TRUD?
TRUD has been the more volatile fund at 16.7% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs TRUD -16.0%.
Should I hold both SCHD and TRUD?
SCHD and TRUD have a monthly-return correlation of 0.18, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TRUD?
SCHD and TRUD share 4 common holdings with a 2.5% weight overlap. Combined, they hold 144 unique securities.
Which pays a higher dividend, SCHD or TRUD?
SCHD yields 3.31% while TRUD yields 0.34%, so SCHD currently pays the higher dividend yield.
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