SCHD vs USLN
Schwab US Dividend Equity ETF vs iShares Broad USD Floating Rate Loan ETF
Quick Verdict
SCHD has a lower expense ratio. USLN offers more diversification with 297 holdings.
Side-by-Side Comparison
| Metric | SCHD | USLN | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.40% | |
| AUM | $108.7B | $23M | |
| Dividend Yield | 3.13% | 2.14% | |
| Holdings | 104 | 297 | |
| YTD Return | +27.93% | +0.64% | |
| 1Y Return | +30.06% | - | |
| 3Y Return (annualized) | +16.25% | - | |
| 5Y Return (annualized) | +10.03% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -1.4% | |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Mar 3, 2026 |
SCHD vs USLN Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and iShares Broad USD Floating Rate Loan ETF (USLN) is a ETF from iShares by BlackRock (US). Year to date, SCHD is up 27.93% versus a gain of 0.64% for USLN.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -1.4% for USLN. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while USLN charges 0.40%. On a $10,000 position that is $6 vs $40 annually, a gap of $34 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 2.14% for USLN.
Holdings Overlap
SCHD and USLN share 0 holdings out of 253 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 USLN?
SCHD has an expense ratio of 0.06% while USLN charges 0.40%. SCHD is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
What is the holdings overlap between SCHD and USLN?
SCHD and USLN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 253 unique securities.
Which pays a higher dividend, SCHD or USLN?
SCHD yields 3.13% while USLN yields 2.14%, so SCHD currently pays the higher dividend yield.
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