SCHD vs UCRD
Schwab US Dividend Equity ETF vs VictoryShares Corporate Bond ETF
Which is better, SCHD or UCRD?
Large Cap Value against Long Term High Quality.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y 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 | UCRD |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.40% |
| AUM | $112.1B | $148M |
| Dividend Yield | 3.00% | 4.34% |
| Holdings | 103 | 499 |
| YTD Return | +25.84%Best | -1.36% |
| 1Y Return | +30.18%Best | -1.24% |
| 3Y Return (annualized) | +16.08%Best | +5.24% |
| 5Y Return (annualized) | +9.97%Best | -0.17% |
| Volatility (annualized) | 14.9% | 8.4%Best |
| Max Drawdown | -16.9%Best | -22.1% |
| $10,000 over 5 years | $16,083Best | $9,915 |
| Fund Family | Charles Schwab Asset Management | Victory Capital Management Inc. |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Long Term High Quality |
| Inception | Oct 20, 2011 | Oct 4, 2021 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 5, 2021 to Sep 15, 2026 (4.9 years).
SCHD vs UCRD 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 4.9 years both funds cover.
SCHD vs UCRD Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and VictoryShares Corporate Bond ETF (UCRD) is an ETF from Victory Capital Management Inc.. Over the past year SCHD returned +30.18% while UCRD returned -1.24%. Year to date, SCHD is up 25.84% versus a loss of 1.36% for UCRD.
Over three years, SCHD compounded at +16.08% per year against +5.24% for UCRD; over five years the annualized figures are +9.97% and -0.17% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.9% compared with 8.4% for UCRD. 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 -16.9% for SCHD and -22.1% for UCRD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.57. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while UCRD charges 0.40%. On a $10,000 position that is $6 vs $40 annually, a gap of $34 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 4.34% for UCRD.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 355 in UCRD, totalling 100.0% and 76.0% 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 355 in UCRD, against full books of 103 and 499.
You are not choosing between two funds in isolation.
Whichever of SCHD and UCRD 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 UCRD?
SCHD has an expense ratio of 0.06% while UCRD charges 0.40%. SCHD is the cheaper option, by $34 a year on a $10,000 investment.
Which performed better, SCHD or UCRD?
Over the past year SCHD returned +30.18% vs -1.24% for UCRD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or UCRD?
SCHD has been the more volatile fund at 14.9% annualized versus 8.4% for UCRD. Worst drawdown: SCHD -16.9% vs UCRD -22.1%.
Should I hold both SCHD and UCRD?
SCHD and UCRD have a monthly-return correlation of 0.57, 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 UCRD?
SCHD yields 3.00% while UCRD yields 4.34%, so UCRD currently pays the higher dividend yield.
Is UCRD better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.