SCHD vs USRT
Schwab US Dividend Equity ETF vs iShares Core US REIT ETF
Which is better, SCHD or USRT?
Large Cap Value against Mid Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 50.4%.
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 | USRT |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.08% |
| AUM | $112.1B | $4.6B |
| Dividend Yield | 3.00% | 2.60% |
| Holdings | 103 | 130 |
| YTD Return | +25.88%Best | +13.53% |
| 1Y Return | +30.22%Best | +11.94% |
| 3Y Return (annualized) | +16.05%Best | +11.20% |
| 5Y Return (annualized) | +10.17%Best | +4.02% |
| Volatility (annualized) | 13.6%Best | 16.6% |
| Max Drawdown | -33.4%Best | -44.4% |
| $10,000 over 5 years | $16,230Best | $12,178 |
| Top 10 Weight | 41.8%Best | 50.4% |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Blend |
| Inception | Oct 20, 2011 | May 1, 2007 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 14, 2026 (14.9 years).
SCHD vs USRT 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 14.9 years both funds cover.
SCHD vs USRT Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and iShares Core US REIT ETF (USRT) is an ETF from iShares by BlackRock (US). Over the past year SCHD returned +30.22% while USRT returned +11.94%. Year to date, SCHD is up 25.88% versus a gain of 13.53% for USRT.
Over three years, SCHD compounded at +16.05% per year against +11.20% for USRT; over five years the annualized figures are +10.17% and +4.02% respectively. Across the full 15-year window we track, SCHD has the edge at +11.41% annualized vs +5.82%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USRT has been the more volatile fund, with annualized monthly volatility of 16.6% 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 -44.4% for USRT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while USRT charges 0.08%. On a $10,000 position that is $6 vs $8 annually, a gap of $2 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 2.60% for USRT.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 124 in USRT, totalling 100.0% and 99.9% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 124 in USRT, against full books of 103 and 130.
What only one of them owns
Measured across the 100 and 124 positions we hold weights for.
SCHD holds 99 positions USRT does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of SCHD and USRT 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 USRT?
SCHD has an expense ratio of 0.06% while USRT charges 0.08%. SCHD is the cheaper option, by $2 a year on a $10,000 investment.
Which performed better, SCHD or USRT?
Over the past year SCHD returned +30.22% vs +11.94% for USRT, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.41% vs +5.82% for USRT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or USRT?
USRT has been the more volatile fund at 16.6% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs USRT -44.4%.
Should I hold both SCHD and USRT?
SCHD and USRT have a monthly-return correlation of 0.70, 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 USRT?
SCHD yields 3.00% while USRT yields 2.60%, so SCHD currently pays the higher dividend yield.
Is USRT better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 50.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.