SCHD vs USMD
Schwab US Dividend Equity ETF vs CoreValues America First Technology ETF
Which is better, SCHD or USMD?
Large Cap Value against Large Cap Growth.
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 46.1%.
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 | USMD |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.87% |
| AUM | $112.1B | $304,629.33 |
| Dividend Yield | 3.00% | 0.00% |
| Holdings | 103 | 121 |
| YTD Return | +23.46% | +25.80%Best |
| 1Y Return | +27.20% | - |
| 3Y Return (annualized) | +15.41% | - |
| 5Y Return (annualized) | +10.16% | - |
| Top 10 Weight | 41.8%Best | 46.1% |
| Fund Family | Charles Schwab Asset Management | CORE VALUES ALPHA |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Growth |
| Inception | Oct 20, 2011 | Feb 6, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
SCHD vs USMD 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SCHD vs USMD Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and CoreValues America First Technology ETF (USMD) is an ETF from CORE VALUES ALPHA. Year to date, SCHD is up 23.46% versus a gain of 25.80% for USMD.
Past performance does not guarantee future results.
Fees and Cost Over Time
SCHD charges 0.06% per year while USMD charges 0.87%. On a $10,000 position that is $6 vs $87 annually, a gap of $81 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.00% for USMD.
Holdings Overlap
8.7% of SCHD's money is in holdings USMD also owns. 6.4% of USMD's money is in holdings SCHD also owns.
SCHD and USMD share little of their money.
4 positions in common, counted across the 100 positions we hold weights for in SCHD and 120 in USMD, against full books of 103 and 121.
What only one of them owns
Our book lists 112 positions for USMD that do not appear in our book for SCHD (93.2% of the fund), and 95 for SCHD that do not appear in USMD (91.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of SCHD and USMD 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 USMD?
SCHD has an expense ratio of 0.06% while USMD charges 0.87%. SCHD is the cheaper option, by $81 a year on a $10,000 investment.
What is the holdings overlap between SCHD and USMD?
8.7% of SCHD's money is in holdings USMD also owns. 6.4% of USMD's is in holdings SCHD also owns. They hold 4 positions in common, counted across the 100 positions we hold weights for in SCHD and 120 in USMD.
Which pays a higher dividend, SCHD or USMD?
SCHD yields 3.00% while USMD yields 0.00%, so SCHD currently pays the higher dividend yield.
Is USMD better than SCHD?
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 46.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.