SCHD vs USDX
Schwab US Dividend Equity ETF vs SGI Enhanced Core ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | USDX | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.08% | |
| AUM | $103.7B | $302M | |
| Dividend Yield | 3.31% | 6.79% | |
| Holdings | 104 | 37 | |
| YTD Return | +24.26% | +2.85% | |
| 1Y Return | +31.38% | +6.21% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 1.0% | |
| Max Drawdown | -33.4% | -0.9% | |
| Fund Family | Charles Schwab Asset Management | Summit Global Investments | |
| Category | Equity | Money Market | |
| Inception | Oct 20, 2011 | Feb 29, 2024 |
SCHD vs USDX Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and SGI Enhanced Core ETF (USDX) is a ETF from Summit Global Investments. Over the past year SCHD returned +31.38% while USDX returned +6.21%. Year to date, SCHD is up 24.26% versus a gain of 2.85% for USDX.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.0% for USDX. 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 -0.9% for USDX. 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 0.11. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while USDX charges 1.08%. On a $10,000 position that is $6 vs $108 annually, a gap of $102 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 6.79% for USDX.
Holdings Overlap
SCHD and USDX share 0 holdings out of 107 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 USDX?
SCHD has an expense ratio of 0.06% while USDX charges 1.08%. SCHD is the cheaper option. On a $10,000 investment, that is $102 per year of difference.
Which performed better, SCHD or USDX?
Over the past year SCHD returned +31.38% vs +6.21% for USDX, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.39% vs +7.09% for USDX. Past performance does not guarantee future results.
Which is riskier, SCHD or USDX?
SCHD has been the more volatile fund at 13.6% annualized versus 1.0% for USDX. Worst drawdown: SCHD -33.4% vs USDX -0.9%.
Should I hold both SCHD and USDX?
SCHD and USDX have a monthly-return correlation of 0.11, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and USDX?
SCHD and USDX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 107 unique securities.
Which pays a higher dividend, SCHD or USDX?
SCHD yields 3.31% while USDX yields 6.79%, so USDX currently pays the higher dividend yield.
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