SCHD vs TTT
Schwab US Dividend Equity ETF vs ProShares UltraPro Short 20 Year Treasury
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | TTT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.95% | |
| AUM | $103.7B | $18M | |
| Dividend Yield | 3.31% | 9.68% | |
| Holdings | 104 | 10 | |
| YTD Return | +24.26% | +13.01% | |
| 1Y Return | +31.38% | +12.50% | |
| 3Y Return (annualized) | +15.08% | +5.90% | |
| 5Y Return (annualized) | +9.72% | +22.82% | |
| Volatility (annualized) | 13.6% | 39.0% | |
| Max Drawdown | -33.4% | -94.1% | |
| Fund Family | Charles Schwab Asset Management | ProShares | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Mar 27, 2012 |
SCHD vs TTT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and ProShares UltraPro Short 20 Year Treasury (TTT) is a ETF from ProShares. Over the past year SCHD returned +31.38% while TTT returned +12.50%. Year to date, SCHD is up 24.26% versus a gain of 13.01% for TTT.
Over three years, SCHD compounded at +15.08% per year against +5.90% for TTT; over five years the annualized figures are +9.72% and +22.82% respectively. Across the full 14-year window we track, SCHD has the edge at +11.39% annualized vs -9.50%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TTT has been the more volatile fund, with annualized monthly volatility of 39.0% 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 -94.1% for TTT. 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 0.00. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TTT charges 0.95%. On a $10,000 position that is $6 vs $95 annually, a gap of $89 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 9.68% for TTT.
Holdings Overlap
SCHD and TTT share 0 holdings out of 101 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 TTT?
SCHD has an expense ratio of 0.06% while TTT charges 0.95%. SCHD is the cheaper option. On a $10,000 investment, that is $89 per year of difference.
Which performed better, SCHD or TTT?
Over the past year SCHD returned +31.38% vs +12.50% for TTT, so SCHD leads on 1-year performance. Over the longest common window we track (14 years), SCHD annualized +11.39% vs -9.50% for TTT. Past performance does not guarantee future results.
Which is riskier, SCHD or TTT?
TTT has been the more volatile fund at 39.0% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs TTT -94.1%.
Should I hold both SCHD and TTT?
SCHD and TTT have a monthly-return correlation of 0.00, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TTT?
SCHD and TTT share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or TTT?
SCHD yields 3.31% while TTT yields 9.68%, so TTT currently pays the higher dividend yield.
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