SCHD vs USE
Schwab US Dividend Equity ETF vs USCF Energy Commodity Strategy Absolute Return Fund
Which is better, SCHD or USE?
Large Cap Value against Large Cap Growth.
SCHD has a lower expense ratio. SCHD led over 3Y, USE over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SCHD | USE |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.79% |
| AUM | $112.1B | $7M |
| Dividend Yield | 3.00% | 2.10% |
| Holdings | 103 | 9 |
| YTD Return | +24.23% | +59.05%Best |
| 1Y Return | +27.90% | +29.96%Best |
| 3Y Return (annualized) | +15.55%Best | +12.72% |
| 5Y Return (annualized) | +9.97% | - |
| Volatility (annualized) | 13.3%Best | 33.5% |
| Max Drawdown | -16.1%Best | -28.2% |
| $10,000 over 3.4 years | $16,476 | $18,482Best |
| Fund Family | Charles Schwab Asset Management | USCF Investments |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Growth |
| Inception | Oct 20, 2011 | May 3, 2023 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.4 years row, are measured over the window both funds cover: May 4, 2023 to Sep 17, 2026 (3.4 years).
SCHD vs USE growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3.4 years both funds cover.
SCHD vs USE Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and USCF Energy Commodity Strategy Absolute Return Fund (USE) is an ETF from USCF Investments. Over the past year SCHD returned +27.90% while USE returned +29.96%. Year to date, SCHD is up 24.23% versus a gain of 59.05% for USE.
Over three years, SCHD compounded at +15.55% per year against +12.72% for USE.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USE has been the more volatile fund, with annualized monthly volatility of 33.5% compared with 13.3% 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 -16.1% for SCHD and -28.2% for USE. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.07. They move largely independently of each other.
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 3.00% against 2.10% for USE.
You are not choosing between two funds in isolation.
Whichever of SCHD and USE you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $73 a year on a $10,000 investment.
Which performed better, SCHD or USE?
Over the past year SCHD returned +27.90% vs +29.96% for USE, so USE leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or USE?
USE has been the more volatile fund at 33.5% annualized versus 13.3% for SCHD. Worst drawdown: SCHD -16.1% vs USE -28.2%.
Should I hold both SCHD and USE?
SCHD and USE have a monthly-return correlation of 0.07, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or USE?
SCHD yields 3.00% while USE yields 2.10%, so SCHD currently pays the higher dividend yield.
Is USE better than SCHD?
SCHD has a lower expense ratio. SCHD led over 3Y, USE over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.