SCHD vs UPGR
Schwab US Dividend Equity ETF vs Xtrackers US Green Infrastructure Select Equity ETF
Which is better, SCHD or UPGR?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. UPGR is less concentrated, with 25.1% of the fund in its ten largest positions against 41.8%.
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 | UPGR |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.35% |
| AUM | $112.1B | $598,148.67 |
| Dividend Yield | 3.00% | 0.32% |
| Holdings | 103 | 49 |
| YTD Return | +24.23%Best | -7.72% |
| 1Y Return | +27.90%Best | +4.80% |
| 3Y Return (annualized) | +15.55% | - |
| 5Y Return (annualized) | +9.97% | - |
| Volatility (annualized) | 13.2%Best | 26.9% |
| Max Drawdown | -16.1%Best | -35.5% |
| $10,000 over 2.6 years | $14,473Best | $11,990 |
| Top 10 Weight | 41.8% | 25.1%Best |
| Fund Family | Charles Schwab Asset Management | Xtrackers ETFs |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jul 13, 2023 |
Volatility and max drawdown, and the $10,000 over 2.6 years row, are measured over the window both funds cover: Feb 7, 2024 to Sep 17, 2026 (2.6 years).
SCHD vs UPGR 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 2.6 years both funds cover.
SCHD vs UPGR Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Xtrackers US Green Infrastructure Select Equity ETF (UPGR) is an ETF from Xtrackers ETFs. Over the past year SCHD returned +27.90% while UPGR returned +4.80%. Year to date, SCHD is up 24.23% versus a loss of 7.72% for UPGR.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UPGR has been the more volatile fund, with annualized monthly volatility of 26.9% compared with 13.2% 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 -16.1% for SCHD and -35.5% for UPGR. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.21. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while UPGR 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 3.00% against 0.32% for UPGR.
Holdings Overlap
0.1% of SCHD's money is in holdings UPGR also owns. 2.2% of UPGR's money is in holdings SCHD also owns.
UPGR and SCHD share little of their money.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 48 in UPGR, against full books of 103 and 49.
What only one of them owns
Our book lists 46 positions for UPGR that do not appear in our book for SCHD (95.6% of the fund), and 98 for SCHD that do not appear in UPGR (99.8%).
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 UPGR | Difference |
|---|---|---|---|
| CWENClearway Energy, Inc., Class C | 0.09% | 2.21% | 2.12% |
You are not choosing between two funds in isolation.
Whichever of SCHD and UPGR 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 UPGR?
SCHD has an expense ratio of 0.06% while UPGR charges 0.35%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, SCHD or UPGR?
Over the past year SCHD returned +27.90% vs +4.80% for UPGR, 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 UPGR?
UPGR has been the more volatile fund at 26.9% annualized versus 13.2% for SCHD. Worst drawdown: SCHD -16.1% vs UPGR -35.5%.
Should I hold both SCHD and UPGR?
SCHD and UPGR have a monthly-return correlation of 0.21, 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 UPGR?
2.2% of UPGR's money is in holdings SCHD also owns. 2.2% of UPGR's is in holdings SCHD also owns. They hold 1 positions in common, counted across the 100 positions we hold weights for in SCHD and 48 in UPGR.
Which pays a higher dividend, SCHD or UPGR?
SCHD yields 3.00% while UPGR yields 0.32%, so SCHD currently pays the higher dividend yield.
Is UPGR better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. UPGR is less concentrated, with 25.1% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.