SCHD vs USE
SCHD vs USE
Schwab US Dividend Equity ETF vs USCF Energy Commodity Strategy Absolute Return Fund
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 | USE | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.79% | |
| AUM | $103.7B | $6M | |
| Dividend Yield | 3.31% | 2.63% | |
| Holdings | 104 | 6 | |
| YTD Return | +24.26% | +33.60% | |
| 1Y Return | +31.38% | +13.46% | |
| 3Y Return (annualized) | +15.08% | +9.40% | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 33.8% | |
| Max Drawdown | -33.4% | -28.2% | |
| Fund Family | Charles Schwab Asset Management | USCF Investments | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | May 3, 2023 |
SCHD vs USE Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and USCF Energy Commodity Strategy Absolute Return Fund (USE) is a ETF from USCF Investments. Over the past year SCHD returned +31.38% while USE returned +13.46%. Year to date, SCHD is up 24.26% versus a gain of 33.60% for USE.
Over three years, SCHD compounded at +15.08% per year against +9.40% for USE. Across the full 3-year window we track, USE has the edge at +14.27% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USE has been the more volatile fund, with annualized monthly volatility of 33.8% 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 -28.2% for USE. 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 0.09. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while USE charges 0.79%. On a $10,000 position that is $6 vs $79 annually, a gap of $73 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.63% for USE.
Holdings Overlap
SCHD and USE 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 USE?
SCHD has an expense ratio of 0.06% while USE charges 0.79%. SCHD is the cheaper option. On a $10,000 investment, that is $73 per year of difference.
Which performed better, SCHD or USE?
Over the past year SCHD returned +31.38% vs +13.46% for USE, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +14.27% for USE. Past performance does not guarantee future results.
Which is riskier, SCHD or USE?
USE has been the more volatile fund at 33.8% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs USE -28.2%.
Should I hold both SCHD and USE?
SCHD and USE have a monthly-return correlation of 0.09, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and USE?
SCHD and USE share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or USE?
SCHD yields 3.31% while USE yields 2.63%, so SCHD currently pays the higher dividend yield.
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