SCHD vs USRD
SCHD vs USRD
Schwab US Dividend Equity ETF vs Themes US R&D Champions ETF
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 | USRD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.29% | |
| AUM | $103.7B | $1M | |
| Dividend Yield | 3.31% | 0.37% | |
| Holdings | 104 | 103 | |
| YTD Return | +24.26% | +11.85% | |
| 1Y Return | +31.38% | +11.19% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 16.7% | |
| Max Drawdown | -33.4% | -22.7% | |
| Fund Family | Charles Schwab Asset Management | Themes ETFs | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Dec 13, 2023 |
SCHD vs USRD Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Themes US R&D Champions ETF (USRD) is a ETF from Themes ETFs. Over the past year SCHD returned +31.38% while USRD returned +11.19%. Year to date, SCHD is up 24.26% versus a gain of 11.85% for USRD.
Risk: Volatility and Drawdowns
USRD has been the more volatile fund, with annualized monthly volatility of 16.7% 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 -22.7% for USRD. 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 0.21. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while USRD charges 0.29%. On a $10,000 position that is $6 vs $29 annually, a gap of $23 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.37% for USRD.
Holdings Overlap
SCHD and USRD share 3 holdings out of 148 unique holdings combined, representing a 5.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or USRD?
SCHD has an expense ratio of 0.06% while USRD charges 0.29%. SCHD is the cheaper option. On a $10,000 investment, that is $23 per year of difference.
Which performed better, SCHD or USRD?
Over the past year SCHD returned +31.38% vs +11.19% for USRD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +17.96% for USRD. Past performance does not guarantee future results.
Which is riskier, SCHD or USRD?
USRD has been the more volatile fund at 16.7% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs USRD -22.7%.
Should I hold both SCHD and USRD?
SCHD and USRD have a monthly-return correlation of 0.21, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and USRD?
SCHD and USRD share 3 common holdings with a 5.7% weight overlap. Combined, they hold 148 unique securities.
Which pays a higher dividend, SCHD or USRD?
SCHD yields 3.31% while USRD yields 0.37%, so SCHD currently pays the higher dividend yield.
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