SCHD vs UIVM
Schwab US Dividend Equity ETF vs VictoryShares International Value Momentum ETF
Quick Verdict
SCHD has a lower expense ratio. UIVM delivered stronger 1-year returns. UIVM offers more diversification with 196 holdings.
Side-by-Side Comparison
| Metric | SCHD | UIVM | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $333M | |
| Dividend Yield | 3.31% | 3.06% | |
| Holdings | 104 | 203 | |
| YTD Return | +24.26% | +20.85% | |
| 1Y Return | +31.38% | +33.84% | |
| 3Y Return (annualized) | +15.08% | +26.16% | |
| 5Y Return (annualized) | +9.72% | +13.57% | |
| Volatility (annualized) | 13.6% | 16.0% | |
| Max Drawdown | -33.4% | -46.1% | |
| Fund Family | Charles Schwab Asset Management | Victory Capital Management Inc. | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Oct 24, 2017 |
SCHD vs UIVM Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and VictoryShares International Value Momentum ETF (UIVM) is a ETF from Victory Capital Management Inc.. Over the past year SCHD returned +31.38% while UIVM returned +33.84%. Year to date, SCHD is up 24.26% versus a gain of 20.85% for UIVM.
Over three years, SCHD compounded at +15.08% per year against +26.16% for UIVM; over five years the annualized figures are +9.72% and +13.57% respectively. Across the full 9-year window we track, SCHD has the edge at +11.39% annualized vs +7.71%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UIVM has been the more volatile fund, with annualized monthly volatility of 16.0% 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 -46.1% for UIVM. 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while UIVM charges 0.35%. On a $10,000 position that is $6 vs $35 annually, a gap of $29 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 3.06% for UIVM.
Holdings Overlap
SCHD and UIVM share 0 holdings out of 296 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 UIVM?
SCHD has an expense ratio of 0.06% while UIVM charges 0.35%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, SCHD or UIVM?
Over the past year SCHD returned +31.38% vs +33.84% for UIVM, so UIVM leads on 1-year performance. Over the longest common window we track (9 years), SCHD annualized +11.39% vs +7.71% for UIVM. Past performance does not guarantee future results.
Which is riskier, SCHD or UIVM?
UIVM has been the more volatile fund at 16.0% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs UIVM -46.1%.
Should I hold both SCHD and UIVM?
SCHD and UIVM have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and UIVM?
SCHD and UIVM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 296 unique securities.
Which pays a higher dividend, SCHD or UIVM?
SCHD yields 3.31% while UIVM yields 3.06%, so SCHD currently pays the higher dividend yield.
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