SCHD vs USXF
Schwab US Dividend Equity ETF vs iShares ESG Advanced MSCI USA ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. USXF offers more diversification with 290 holdings.
Side-by-Side Comparison
| Metric | SCHD | USXF | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.10% | |
| AUM | $103.7B | $1.4B | |
| Dividend Yield | 3.31% | 0.79% | |
| Holdings | 104 | 294 | |
| YTD Return | +24.26% | +20.35% | |
| 1Y Return | +31.38% | +26.62% | |
| 3Y Return (annualized) | +15.08% | +25.51% | |
| 5Y Return (annualized) | +9.72% | +14.48% | |
| Volatility (annualized) | 13.6% | 17.5% | |
| Max Drawdown | -33.4% | -29.5% | |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jun 16, 2020 |
SCHD vs USXF Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and iShares ESG Advanced MSCI USA ETF (USXF) is a ETF from iShares by BlackRock (US). Over the past year SCHD returned +31.38% while USXF returned +26.62%. Year to date, SCHD is up 24.26% versus a gain of 20.35% for USXF.
Over three years, SCHD compounded at +15.08% per year against +25.51% for USXF; over five years the annualized figures are +9.72% and +14.48% respectively. Across the full 6-year window we track, USXF has the edge at +19.02% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USXF has been the more volatile fund, with annualized monthly volatility of 17.5% 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 -29.5% for USXF. 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while USXF charges 0.10%. On a $10,000 position that is $6 vs $10 annually, a gap of $4 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.79% for USXF.
Holdings Overlap
SCHD and USXF share 23 holdings out of 367 unique holdings combined, representing a 6.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or USXF?
SCHD has an expense ratio of 0.06% while USXF charges 0.10%. SCHD is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, SCHD or USXF?
Over the past year SCHD returned +31.38% vs +26.62% for USXF, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +11.39% vs +19.02% for USXF. Past performance does not guarantee future results.
Which is riskier, SCHD or USXF?
USXF has been the more volatile fund at 17.5% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs USXF -29.5%.
Should I hold both SCHD and USXF?
SCHD and USXF have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and USXF?
SCHD and USXF share 23 common holdings with a 6.8% weight overlap. Combined, they hold 367 unique securities.
Which pays a higher dividend, SCHD or USXF?
SCHD yields 3.31% while USXF yields 0.79%, so SCHD currently pays the higher dividend yield.
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