SCHD vs USCI
Schwab US Dividend Equity ETF vs United States Commodity Index Fund ETV
Quick Verdict
SCHD has a lower expense ratio. USCI delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | USCI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.05% | |
| AUM | $103.7B | $367M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 19 | |
| YTD Return | +25.58% | +33.55% | |
| 1Y Return | +31.06% | +39.03% | |
| 3Y Return (annualized) | +15.55% | +21.66% | |
| 5Y Return (annualized) | +9.61% | +20.75% | |
| Volatility (annualized) | 13.6% | 14.8% | |
| Max Drawdown | -33.4% | -66.4% | |
| Fund Family | Charles Schwab Asset Management | USCF Investments | |
| Category | Equity | Commodity | |
| Inception | Oct 20, 2011 | Aug 10, 2010 |
SCHD vs USCI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and United States Commodity Index Fund ETV (USCI) is a ETF from USCF Investments. Over the past year SCHD returned +31.06% while USCI returned +39.03%. Year to date, SCHD is up 25.58% versus a gain of 33.55% for USCI.
Over three years, SCHD compounded at +15.55% per year against +21.66% for USCI; over five years the annualized figures are +9.61% and +20.75% respectively. Across the full 15-year window we track, SCHD has the edge at +11.46% annualized vs +4.63%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USCI has been the more volatile fund, with annualized monthly volatility of 14.8% 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 -66.4% for USCI. 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while USCI charges 1.05%. On a $10,000 position that is $6 vs $105 annually, a gap of $99 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.00% for USCI.
Holdings Overlap
SCHD and USCI share 0 holdings out of 101 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 USCI?
SCHD has an expense ratio of 0.06% while USCI charges 1.05%. SCHD is the cheaper option. On a $10,000 investment, that is $99 per year of difference.
Which performed better, SCHD or USCI?
Over the past year SCHD returned +31.06% vs +39.03% for USCI, so USCI leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.46% vs +4.63% for USCI. Past performance does not guarantee future results.
Which is riskier, SCHD or USCI?
USCI has been the more volatile fund at 14.8% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs USCI -66.4%.
Should I hold both SCHD and USCI?
SCHD and USCI have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and USCI?
SCHD and USCI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or USCI?
SCHD yields 3.31% while USCI yields 0.00%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.