SCHD vs UTWY
Schwab US Dividend Equity ETF vs F/m US Treasury 20 Year Bond 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 | UTWY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.15% | |
| AUM | $103.7B | $8M | |
| Dividend Yield | 3.31% | 5.07% | |
| Holdings | 104 | 2 | |
| YTD Return | +25.58% | -2.66% | |
| 1Y Return | +31.06% | -0.44% | |
| 3Y Return (annualized) | +15.55% | +0.77% | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | 10.7% | |
| Max Drawdown | -33.4% | -18.2% | |
| Fund Family | Charles Schwab Asset Management | US Benchmark Series | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Mar 28, 2023 |
SCHD vs UTWY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and F/m US Treasury 20 Year Bond ETF (UTWY) is a ETF from US Benchmark Series. Over the past year SCHD returned +31.06% while UTWY returned -0.44%. Year to date, SCHD is up 25.58% versus a loss of 2.66% for UTWY.
Over three years, SCHD compounded at +15.55% per year against +0.77% for UTWY. Across the full 3-year window we track, SCHD has the edge at +11.46% annualized vs -1.15%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.7% for UTWY. 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 -18.2% for UTWY. 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while UTWY 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 3.31% against 5.07% for UTWY.
Frequently Asked Questions
Which is cheaper, SCHD or UTWY?
SCHD has an expense ratio of 0.06% while UTWY charges 0.15%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, SCHD or UTWY?
Over the past year SCHD returned +31.06% vs -0.44% for UTWY, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.46% vs -1.15% for UTWY. Past performance does not guarantee future results.
Which is riskier, SCHD or UTWY?
SCHD has been the more volatile fund at 13.6% annualized versus 10.7% for UTWY. Worst drawdown: SCHD -33.4% vs UTWY -18.2%.
Should I hold both SCHD and UTWY?
SCHD and UTWY have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or UTWY?
SCHD yields 3.31% while UTWY yields 5.07%, so UTWY currently pays the higher dividend yield.
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