SCHD vs WWJD
Schwab US Dividend Equity ETF vs Inspire International ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. WWJD offers more diversification with 199 holdings.
Side-by-Side Comparison
| Metric | SCHD | WWJD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.66% | |
| AUM | $103.7B | $548M | |
| Dividend Yield | 3.31% | 2.58% | |
| Holdings | 104 | 414 | |
| YTD Return | +26.21% | +11.46% | |
| 1Y Return | +29.99% | +18.35% | |
| 3Y Return (annualized) | +15.73% | +16.43% | |
| 5Y Return (annualized) | +9.67% | +7.80% | |
| Volatility (annualized) | 13.6% | 18.7% | |
| Max Drawdown | -33.4% | -35.8% | |
| Fund Family | Charles Schwab Asset Management | Inspire ETFs | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Sep 30, 2019 |
SCHD vs WWJD Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Inspire International ETF (WWJD) is a ETF from Inspire ETFs. Over the past year SCHD returned +29.99% while WWJD returned +18.35%. Year to date, SCHD is up 26.21% versus a gain of 11.46% for WWJD.
Over three years, SCHD compounded at +15.73% per year against +16.43% for WWJD; over five years the annualized figures are +9.67% and +7.80% respectively. Across the full 7-year window we track, SCHD has the edge at +11.50% annualized vs +11.42%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
WWJD has been the more volatile fund, with annualized monthly volatility of 18.7% compared with 13.6% 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 -35.8% for WWJD. 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while WWJD charges 0.66%. On a $10,000 position that is $6 vs $66 annually, a gap of $60 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.58% for WWJD.
Holdings Overlap
SCHD and WWJD share 0 holdings out of 299 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or WWJD?
SCHD has an expense ratio of 0.06% while WWJD charges 0.66%. SCHD is the cheaper option. On a $10,000 investment, that is $60 per year of difference.
Which performed better, SCHD or WWJD?
Over the past year SCHD returned +29.99% vs +18.35% for WWJD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +11.50% vs +11.42% for WWJD. Past performance does not guarantee future results.
Which is riskier, SCHD or WWJD?
WWJD has been the more volatile fund at 18.7% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs WWJD -35.8%.
Should I hold both SCHD and WWJD?
SCHD and WWJD have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and WWJD?
SCHD and WWJD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 299 unique securities.
Which pays a higher dividend, SCHD or WWJD?
SCHD yields 3.31% while WWJD yields 2.58%, so SCHD currently pays the higher dividend yield.
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