SCHD vs UCBG
Schwab US Dividend Equity ETF vs State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF
Which is better, SCHD or UCBG?
Large Cap Value against Equity-oriented Balanced.
UCBG is less concentrated, with 35.2% of the fund in its ten largest positions against 41.6%.
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 | UCBG |
|---|---|---|
| Expense Ratio | 0.06%Tie | 0.06%Tie |
| AUM | $111.6B | $2.5B |
| Dividend Yield | 3.24% | 0.09% |
| Holdings | 206 | 782 |
| YTD Return | +26.92%Best | +0.05% |
| 1Y Return | +33.81% | - |
| 3Y Return (annualized) | +17.21% | - |
| 5Y Return (annualized) | +9.94% | - |
| Top 10 Weight | 41.6% | 35.2%Best |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Value | Equity-oriented Balanced |
| Inception | Oct 20, 2011 | Sep 1, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
SCHD vs UCBG 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SCHD vs UCBG Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF (UCBG) is an ETF from State Street Investment Management. Year to date, SCHD is up 26.92% versus a gain of 0.05% for UCBG.
Past performance does not guarantee future results.
Fees and Cost Over Time
SCHD charges 0.06% per year while UCBG charges 0.06%. On a $10,000 position that is $6 vs $6 annually. On income, SCHD currently yields 3.24% against 0.09% for UCBG.
Holdings Overlap
94.8% of SCHD's money is in holdings UCBG also owns. 6.8% of UCBG's money is in holdings SCHD also owns.
Most of SCHD is already inside UCBG. Owning both mostly buys the same companies twice.
45 positions in common, counted across the 98 positions we hold weights for in SCHD and 782 in UCBG, against full books of 206 and 782.
What only one of them owns
Our book lists 732 positions for UCBG that do not appear in our book for SCHD (90.7% of the fund), and 52 for SCHD that do not appear in UCBG (5.0%).
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.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in UCBG | Difference |
|---|---|---|---|
| TXNTexas Instrument Inc | 4.89% | 0.36% | 4.53% |
| QCOMQualcomm Inc. | 4.61% | 0.27% | 4.34% |
| CVXChevron Corp | 4.14% | 0.55% | 3.59% |
| PGProcter & Gamble Company | 4.16% | 0.46% | 3.70% |
| KOCoca Cola Co. | 4.12% | 0.45% | 3.67% |
| MRKMerck & Company Inc | 4.04% | 0.48% | 3.56% |
| UNHUnitedhealth Group Incorporated | 3.95% | 0.45% | 3.50% |
| AMGNAmgen Inc. | 3.86% | 0.30% | 3.56% |
| HDHome Depot Inc/The | 3.77% | 0.38% | 3.39% |
| VZVerizon Communic | 3.88% | 0.26% | 3.62% |
94.8% of SCHD is already inside UCBG.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or UCBG?
SCHD has an expense ratio of 0.06% while UCBG charges 0.06%. At the precision these are quoted to, they cost the same.
What is the holdings overlap between SCHD and UCBG?
94.8% of SCHD's money is in holdings UCBG also owns. 6.8% of UCBG's is in holdings SCHD also owns. They hold 45 positions in common, counted across the 98 positions we hold weights for in SCHD and 782 in UCBG.
Which pays a higher dividend, SCHD or UCBG?
SCHD yields 3.24% while UCBG yields 0.09%, so SCHD currently pays the higher dividend yield.
Is UCBG better than SCHD?
UCBG is less concentrated, with 35.2% of the fund in its ten largest positions against 41.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.