SCHD vs UNL
Schwab US Dividend Equity ETF vs United States 12 Month Natural Gas Fund
Which is better, SCHD or UNL?
Large Cap Value against Energy.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 61.5%.
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 | UNL |
|---|---|---|
| Expense Ratio | 0.06%Best | 1.65% |
| AUM | $119.9B | $14M |
| Dividend Yield | 2.96% | 0.00% |
| Holdings | 204 | 57 |
| YTD Return | +33.09%Best | -24.84% |
| 1Y Return | +37.17%Best | -35.43% |
| 3Y Return (annualized) | +20.32%Best | -21.02% |
| 5Y Return (annualized) | +10.36%Best | -17.16% |
| Volatility (annualized) | 13.8%Best | 31.7% |
| Max Drawdown | -33.4%Best | -81.8% |
| $10,000 over 5 years | $16,370Best | $3,901 |
| Top 10 Weight | 41.8%Best | 61.5% |
| Fund Family | Charles Schwab Asset Management | USCF Investments |
| Category | Equity | Commodity |
| Style | Large Cap Value | Energy |
| Inception | Oct 20, 2011 | Nov 18, 2009 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Nov 11, 2026 (15.1 years).
SCHD vs UNL 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 15.1 years both funds cover.
SCHD vs UNL Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and United States 12 Month Natural Gas Fund (UNL) is an ETF from USCF Investments. Over the past year SCHD returned +37.17% while UNL returned -35.43%. Year to date, SCHD is up 33.09% versus a loss of 24.84% for UNL.
Over three years, SCHD compounded at +20.32% per year against -21.02% for UNL; over five years the annualized figures are +10.36% and -17.16% respectively. Across the full 15-year window we track, SCHD has the edge at +11.69% annualized vs -10.08%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UNL has been the more volatile fund, with annualized monthly volatility of 31.7% compared with 13.8% 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 -81.8% for UNL. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.07. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while UNL charges 1.65%. On a $10,000 position that is $6 vs $165 annually, a gap of $159 per year that compounds over a long holding period. On income, SCHD currently yields 2.96% against 0.00% for UNL.
Holdings Overlap
0.2% of SCHD's money is in holdings UNL also owns. 1.6% of UNL's money is in holdings SCHD also owns.
UNL and SCHD share little of their money.
1 positions in common, counted across the 98 positions we hold weights for in SCHD and 24 in UNL, against full books of 204 and 57.
What only one of them owns
Our book lists 22 positions for UNL that do not appear in our book for SCHD (96.1% of the fund), and 96 for SCHD that do not appear in UNL (99.5%).
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 UNL | Difference |
|---|---|---|---|
| BAHBooz Allen Hamilton Holding Corp. | 0.22% | 1.56% | 1.34% |
You are not choosing between two funds in isolation.
Whichever of SCHD and UNL 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 UNL?
SCHD has an expense ratio of 0.06% while UNL charges 1.65%. SCHD is the cheaper option, by $159 a year on a $10,000 investment.
Which performed better, SCHD or UNL?
Over the past year SCHD returned +37.17% vs -35.43% for UNL, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.69% vs -10.08% for UNL. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or UNL?
UNL has been the more volatile fund at 31.7% annualized versus 13.8% for SCHD. Worst drawdown: SCHD -33.4% vs UNL -81.8%.
Should I hold both SCHD and UNL?
SCHD and UNL have a monthly-return correlation of 0.07, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and UNL?
1.6% of UNL's money is in holdings SCHD also owns. 1.6% of UNL's is in holdings SCHD also owns. They hold 1 positions in common, counted across the 98 positions we hold weights for in SCHD and 24 in UNL.
Which pays a higher dividend, SCHD or UNL?
SCHD yields 2.96% while UNL yields 0.00%, so SCHD currently pays the higher dividend yield.
Is UNL better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 61.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.