SCHD vs UTEN
Schwab US Dividend Equity ETF vs F/m US Treasury 10 Year Note ETF
Which is better, SCHD or UTEN?
Large Cap Value against Long Term High Quality.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window.
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 | UTEN |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.15% |
| AUM | $112.1B | $267M |
| Dividend Yield | 3.00% | 4.50% |
| Holdings | 103 | 2 |
| YTD Return | +23.60%Best | -2.80% |
| 1Y Return | +28.29%Best | -1.93% |
| 3Y Return (annualized) | +16.25%Best | +2.77% |
| 5Y Return (annualized) | +10.25% | - |
| Volatility (annualized) | 14.7% | 7.6%Best |
| Max Drawdown | -16.1% | -13.4%Best |
| $10,000 over 4.1 years | $15,654Best | $9,793 |
| Fund Family | Charles Schwab Asset Management | US Benchmark Series |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Long Term High Quality |
| Inception | Oct 20, 2011 | Aug 8, 2022 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.1 years row, are measured over the window both funds cover: Aug 9, 2022 to Sep 21, 2026 (4.1 years).
SCHD vs UTEN 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 4.1 years both funds cover.
SCHD vs UTEN Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and F/m US Treasury 10 Year Note ETF (UTEN) is an ETF from US Benchmark Series. Over the past year SCHD returned +28.29% while UTEN returned -1.93%. Year to date, SCHD is up 23.60% versus a loss of 2.80% for UTEN.
Over three years, SCHD compounded at +16.25% per year against +2.77% for UTEN. Across the full 4-year window we track, SCHD has the edge at +11.55% annualized vs -0.51%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.7% compared with 7.6% for UTEN. 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 -16.1% for SCHD and -13.4% for UTEN. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.49. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while UTEN charges 0.15%. On a $10,000 position that is $6 vs $15 annually, a gap of $9 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 4.50% for UTEN.
You are not choosing between two funds in isolation.
Whichever of SCHD and UTEN 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 UTEN?
SCHD has an expense ratio of 0.06% while UTEN charges 0.15%. SCHD is the cheaper option, by $9 a year on a $10,000 investment.
Which performed better, SCHD or UTEN?
Over the past year SCHD returned +28.29% vs -1.93% for UTEN, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.55% vs -0.51% for UTEN. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or UTEN?
SCHD has been the more volatile fund at 14.7% annualized versus 7.6% for UTEN. Worst drawdown: SCHD -16.1% vs UTEN -13.4%.
Should I hold both SCHD and UTEN?
SCHD and UTEN have a monthly-return correlation of 0.49, 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 UTEN?
SCHD yields 3.00% while UTEN yields 4.50%, so UTEN currently pays the higher dividend yield.
Is UTEN better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.