SCHD vs USG
Schwab US Dividend Equity ETF vs USCF Gold Strategy Plus Income Fund
Which is better, SCHD or USG?
Each has led over a different period.
SCHD has a lower expense ratio. SCHD led over 1Y, USG over 3Y, 5Y 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 | USG |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.45% |
| AUM | $112.1B | $8M |
| Dividend Yield | 3.00% | 28.29% |
| Holdings | 103 | 4 |
| YTD Return | +23.68%Best | -3.35% |
| 1Y Return | +28.36%Best | +11.30% |
| 3Y Return (annualized) | +16.20% | +25.38%Best |
| 5Y Return (annualized) | +10.07% | +16.16%Best |
| Volatility (annualized) | 15.0%Best | 15.3% |
| Max Drawdown | -16.9%Best | -24.9% |
| $10,000 over 5 years | $16,156 | $21,149Best |
| Fund Family | Charles Schwab Asset Management | USCF Investments |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | - |
| Inception | Oct 20, 2011 | Nov 8, 2021 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Nov 3, 2021 to Sep 22, 2026 (4.9 years).
SCHD vs USG 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 4.9 years both funds cover.
SCHD vs USG Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and USCF Gold Strategy Plus Income Fund (USG) is an ETF from USCF Investments. Over the past year SCHD returned +28.36% while USG returned +11.30%. Year to date, SCHD is up 23.68% versus a loss of 3.35% for USG.
Over three years, SCHD compounded at +16.20% per year against +25.38% for USG; over five years the annualized figures are +10.07% and +16.16% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USG has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 15.0% 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 -16.9% for SCHD and -24.9% for USG. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.33. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while USG charges 0.45%. On a $10,000 position that is $6 vs $45 annually, a gap of $39 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 28.29% for USG.
You are not choosing between two funds in isolation.
Whichever of SCHD and USG 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 USG?
SCHD has an expense ratio of 0.06% while USG charges 0.45%. SCHD is the cheaper option, by $39 a year on a $10,000 investment.
Which performed better, SCHD or USG?
Over the past year SCHD returned +28.36% vs +11.30% for USG, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or USG?
USG has been the more volatile fund at 15.3% annualized versus 15.0% for SCHD. Worst drawdown: SCHD -16.9% vs USG -24.9%.
Should I hold both SCHD and USG?
SCHD and USG have a monthly-return correlation of 0.33, 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 USG?
SCHD yields 3.00% while USG yields 28.29%, so USG currently pays the higher dividend yield.
Is USG better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, USG over 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.