SCHD vs UPGR
SCHD vs UPGR
Schwab US Dividend Equity ETF vs Xtrackers US Green Infrastructure Select Equity ETF
Quick Verdict
SCHD has a lower expense ratio. UPGR delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | UPGR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $6M | |
| Dividend Yield | 3.31% | 0.28% | |
| Holdings | 104 | 47 | |
| YTD Return | +24.26% | +0.90% | |
| 1Y Return | +31.38% | +31.58% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 27.2% | |
| Max Drawdown | -33.4% | -35.5% | |
| Fund Family | Charles Schwab Asset Management | Xtrackers ETFs | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jul 13, 2023 |
SCHD vs UPGR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Xtrackers US Green Infrastructure Select Equity ETF (UPGR) is a ETF from Xtrackers ETFs. Over the past year SCHD returned +31.38% while UPGR returned +31.58%. Year to date, SCHD is up 24.26% versus a gain of 0.90% for UPGR.
Risk: Volatility and Drawdowns
UPGR has been the more volatile fund, with annualized monthly volatility of 27.2% 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 -35.5% for UPGR. 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 0.23. They move independently enough that combining them can meaningfully diversify a portfolio.
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 3.31% against 0.28% for UPGR.
Holdings Overlap
SCHD and UPGR share 0 holdings out of 145 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 UPGR?
SCHD has an expense ratio of 0.06% while UPGR 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 UPGR?
Over the past year SCHD returned +31.38% vs +31.58% for UPGR, so UPGR leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +11.48% for UPGR. Past performance does not guarantee future results.
Which is riskier, SCHD or UPGR?
UPGR has been the more volatile fund at 27.2% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs UPGR -35.5%.
Should I hold both SCHD and UPGR?
SCHD and UPGR have a monthly-return correlation of 0.23, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and UPGR?
SCHD and UPGR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 145 unique securities.
Which pays a higher dividend, SCHD or UPGR?
SCHD yields 3.31% while UPGR yields 0.28%, so SCHD currently pays the higher dividend yield.
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