SCHD vs WINN
Schwab US Dividend Equity ETF vs Harbor Long-Term Growers ETF
Which is better, SCHD or WINN?
Large Cap Value against Large Cap Growth.
SCHD has a lower expense ratio. SCHD led over 1Y, WINN over 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 57.1%.
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 | WINN |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.57% |
| AUM | $112.1B | $1.2B |
| Dividend Yield | 3.00% | 0.00% |
| Holdings | 103 | 75 |
| YTD Return | +25.84%Best | +6.71% |
| 1Y Return | +30.18%Best | +6.50% |
| 3Y Return (annualized) | +16.08% | +21.30%Best |
| 5Y Return (annualized) | +9.97% | - |
| Volatility (annualized) | 14.9%Best | 21.0% |
| Max Drawdown | -16.1%Best | -32.1% |
| $10,000 over 4.6 years | $15,348 | $17,869Best |
| Top 10 Weight | 41.8%Best | 57.1% |
| Fund Family | Charles Schwab Asset Management | Harbor Funds |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Growth |
| Inception | Oct 20, 2011 | Feb 2, 2022 |
Volatility and max drawdown, and the $10,000 over 4.6 years row, are measured over the window both funds cover: Feb 3, 2022 to Sep 15, 2026 (4.6 years).
SCHD vs WINN 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 4.6 years both funds cover.
SCHD vs WINN Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Harbor Long-Term Growers ETF (WINN) is an ETF from Harbor Funds. Over the past year SCHD returned +30.18% while WINN returned +6.50%. Year to date, SCHD is up 25.84% versus a gain of 6.71% for WINN.
Over three years, SCHD compounded at +16.08% per year against +21.30% for WINN.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
WINN has been the more volatile fund, with annualized monthly volatility of 21.0% compared with 14.9% 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 -16.1% for SCHD and -32.1% for WINN. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.42. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while WINN charges 0.57%. On a $10,000 position that is $6 vs $57 annually, a gap of $51 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.00% for WINN.
Holdings Overlap
12.1% of SCHD's money is in holdings WINN also owns. 1.1% of WINN's money is in holdings SCHD also owns.
SCHD and WINN share little of their money.
3 positions in common, counted across the 100 positions we hold weights for in SCHD and 73 in WINN, against full books of 103 and 75.
What only one of them owns
Our book lists 66 positions for WINN that do not appear in our book for SCHD (96.7% of the fund), and 96 for SCHD that do not appear in WINN (87.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of SCHD and WINN 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 WINN?
SCHD has an expense ratio of 0.06% while WINN charges 0.57%. SCHD is the cheaper option, by $51 a year on a $10,000 investment.
Which performed better, SCHD or WINN?
Over the past year SCHD returned +30.18% vs +6.50% for WINN, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or WINN?
WINN has been the more volatile fund at 21.0% annualized versus 14.9% for SCHD. Worst drawdown: SCHD -16.1% vs WINN -32.1%.
Should I hold both SCHD and WINN?
SCHD and WINN have a monthly-return correlation of 0.42, 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 WINN?
12.1% of SCHD's money is in holdings WINN also owns. 1.1% of WINN's is in holdings SCHD also owns. They hold 3 positions in common, counted across the 100 positions we hold weights for in SCHD and 73 in WINN.
Which pays a higher dividend, SCHD or WINN?
SCHD yields 3.00% while WINN yields 0.00%, so SCHD currently pays the higher dividend yield.
Is WINN better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, WINN over 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 57.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.