SCHD vs USDU
Schwab US Dividend Equity ETF vs WisdomTree Bloomberg US Dollar Bullish Fund
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. USDU offers more diversification with 123 holdings.
Side-by-Side Comparison
| Metric | SCHD | USDU | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.51% | |
| AUM | $112.2B | $280M | |
| Dividend Yield | 3.13% | 3.73% | |
| Holdings | 103 | 123 | |
| YTD Return | +27.89% | +1.94% | |
| 1Y Return | +29.93% | +3.65% | |
| 3Y Return (annualized) | +16.13% | +3.98% | |
| 5Y Return (annualized) | +10.00% | +5.06% | |
| Volatility (annualized) | 13.6% | 6.2% | |
| Max Drawdown | -33.4% | -14.5% | |
| Fund Family | Charles Schwab Asset Management | WisdomTree Investments | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Dec 18, 2013 |
SCHD vs USDU Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and WisdomTree Bloomberg US Dollar Bullish Fund (USDU) is a ETF from WisdomTree Investments. Over the past year SCHD returned +29.93% while USDU returned +3.65%. Year to date, SCHD is up 27.89% versus a gain of 1.94% for USDU.
Over three years, SCHD compounded at +16.13% per year against +3.98% for USDU; over five years the annualized figures are +10.00% and +5.06% respectively. Across the full 13-year window we track, SCHD has the edge at +11.56% annualized vs +3.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 6.2% for USDU. 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 -14.5% for USDU. 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 -0.43. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while USDU charges 0.51%. On a $10,000 position that is $6 vs $51 annually, a gap of $45 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 3.73% for USDU.
Holdings Overlap
SCHD and USDU 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 USDU?
SCHD has an expense ratio of 0.06% while USDU charges 0.51%. SCHD is the cheaper option. On a $10,000 investment, that is $45 per year of difference.
Which performed better, SCHD or USDU?
Over the past year SCHD returned +29.93% vs +3.65% for USDU, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), SCHD annualized +11.56% vs +3.14% for USDU. Past performance does not guarantee future results.
Which is riskier, SCHD or USDU?
SCHD has been the more volatile fund at 13.6% annualized versus 6.2% for USDU. Worst drawdown: SCHD -33.4% vs USDU -14.5%.
Should I hold both SCHD and USDU?
SCHD and USDU have a monthly-return correlation of -0.43, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and USDU?
SCHD and USDU share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or USDU?
SCHD yields 3.13% while USDU yields 3.73%, so USDU currently pays the higher dividend yield.
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