SCHD vs UTF
Schwab US Dividend Equity ETF vs Cohen & Steers Infrastructure Fund Inc
Which is better, SCHD or UTF?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y 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 | UTF |
|---|---|---|
| Expense Ratio | 0.06%Best | 3.42% |
| AUM | $112.1B | $3,053.86 |
| Dividend Yield | 3.00% | 6.97% |
| Holdings | 103 | 311 |
| YTD Return | +23.46%Best | +6.72% |
| 1Y Return | +27.20%Best | +6.53% |
| 3Y Return (annualized) | +15.41%Best | +14.50% |
| 5Y Return (annualized) | +10.16%Best | +5.65% |
| Volatility (annualized) | 13.7%Best | 17.9% |
| Max Drawdown | -33.4%Best | -53.0% |
| $10,000 over 5 years | $16,223Best | $13,163 |
| Fund Family | Charles Schwab Asset Management | Cohen & Steers Funds |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Mar 30, 2004 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 18, 2026 (14.9 years).
SCHD vs UTF 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 UTF Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Cohen & Steers Infrastructure Fund Inc (UTF) is an ETF from Cohen & Steers Funds. Over the past year SCHD returned +27.20% while UTF returned +6.53%. Year to date, SCHD is up 23.46% versus a gain of 6.72% for UTF.
Over three years, SCHD compounded at +15.41% per year against +14.50% for UTF; over five years the annualized figures are +10.16% and +5.65% respectively. Across the full 15-year window we track, SCHD has the edge at +11.25% annualized vs +5.81%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UTF has been the more volatile fund, with annualized monthly volatility of 17.9% compared with 13.7% 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 -53.0% for UTF. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while UTF charges 3.42%. On a $10,000 position that is $6 vs $342 annually, a gap of $336 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 6.97% for UTF.
Holdings Overlap
At least 1.5% of SCHD's money is in holdings UTF also owns.
Only one direction is shown: for UTF, our book for it lists positions totalling 129.0% of the fund, which is what a leveraged book looks like and is not a denominator we can divide by.
SCHD and UTF share little of their money.
The two holdings books were reported 153 days apart, SCHD as of Aug 31, 2026 and UTF as of Mar 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
2 positions in common, counted across the 100 positions we hold weights for in SCHD and 241 in UTF, against full books of 103 and 311.
You are not choosing between two funds in isolation.
Whichever of SCHD and UTF 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 UTF?
SCHD has an expense ratio of 0.06% while UTF charges 3.42%. SCHD is the cheaper option, by $336 a year on a $10,000 investment.
Which performed better, SCHD or UTF?
Over the past year SCHD returned +27.20% vs +6.53% for UTF, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.25% vs +5.81% for UTF. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or UTF?
UTF has been the more volatile fund at 17.9% annualized versus 13.7% for SCHD. Worst drawdown: SCHD -33.4% vs UTF -53.0%.
Should I hold both SCHD and UTF?
SCHD and UTF have a monthly-return correlation of 0.74, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and UTF?
At least 1.5% of SCHD's money is in holdings UTF also owns. Our book for UTF is partial, so the real figure is this or higher. They hold 2 positions in common, counted across the 100 positions we hold weights for in SCHD and 241 in UTF.
Which pays a higher dividend, SCHD or UTF?
SCHD yields 3.00% while UTF yields 6.97%, so UTF currently pays the higher dividend yield.
Is UTF better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.