SCHD vs WINC
Schwab US Dividend Equity ETF vs Western Asset Short Duration Income ETF
Which is better, SCHD or WINC?
Large Cap Value against Short Term Bond.
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 | WINC |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.29% |
| AUM | $111.6B | $12M |
| Dividend Yield | 3.24% | 4.42% |
| Holdings | 206 | 128 |
| YTD Return | +30.31%Best | -0.20% |
| 1Y Return | +35.06%Best | -0.20% |
| 3Y Return (annualized) | +19.45%Best | +5.36% |
| 5Y Return (annualized) | +10.11%Best | +2.09% |
| Volatility (annualized) | 16.6% | 16.0%Best |
| Max Drawdown | -33.4% | -32.0%Best |
| $10,000 over 5 years | $16,186Best | $11,090 |
| Fund Family | Charles Schwab Asset Management | Franklin Templeton Investments (US) |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Short Term Bond |
| Inception | Oct 20, 2011 | Feb 7, 2019 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 8, 2019 to Oct 23, 2026 (7.7 years).
SCHD vs WINC 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 7.7 years both funds cover.
SCHD vs WINC Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Western Asset Short Duration Income ETF (WINC) is an ETF from Franklin Templeton Investments (US). Over the past year SCHD returned +35.06% while WINC returned -0.20%. Year to date, SCHD is up 30.31% versus a loss of 0.20% for WINC.
Over three years, SCHD compounded at +19.45% per year against +5.36% for WINC; over five years the annualized figures are +10.11% and +2.09% respectively. Across the full 8-year window we track, SCHD has the edge at +13.07% annualized vs +3.14%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 16.6% compared with 16.0% for WINC. 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 -32.0% for WINC. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.21. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while WINC charges 0.29%. On a $10,000 position that is $6 vs $29 annually, a gap of $23 per year that compounds over a long holding period. On income, SCHD currently yields 3.24% against 4.42% for WINC.
You are not choosing between two funds in isolation.
Whichever of SCHD and WINC 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 WINC?
SCHD has an expense ratio of 0.06% while WINC charges 0.29%. SCHD is the cheaper option, by $23 a year on a $10,000 investment.
Which performed better, SCHD or WINC?
Over the past year SCHD returned +35.06% vs -0.20% for WINC, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +13.07% vs +3.14% for WINC. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or WINC?
SCHD has been the more volatile fund at 16.6% annualized versus 16.0% for WINC. Worst drawdown: SCHD -33.4% vs WINC -32.0%.
Should I hold both SCHD and WINC?
SCHD and WINC have a monthly-return correlation of 0.21, 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 WINC?
SCHD yields 3.24% while WINC yields 4.42%, so WINC currently pays the higher dividend yield.
Is WINC 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.