SCHD vs XAIW
Schwab US Dividend Equity ETF vs SpaceXAI Lab Ecosystem ETF
Which is better, SCHD or XAIW?
Large Cap Value against Large Cap Growth.
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 64.2%.
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 | XAIW |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.59% |
| AUM | $112.1B | $2M |
| Dividend Yield | 3.00% | 0.00% |
| Holdings | 103 | 25 |
| YTD Return | +24.04%Best | -4.58% |
| 1Y Return | +27.95% | - |
| 3Y Return (annualized) | +15.51% | - |
| 5Y Return (annualized) | +9.80% | - |
| Top 10 Weight | 41.8%Best | 64.2% |
| Fund Family | Charles Schwab Asset Management | Harbor Funds |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Growth |
| Inception | Oct 20, 2011 | Aug 12, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
SCHD vs XAIW 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SCHD vs XAIW Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and SpaceXAI Lab Ecosystem ETF (XAIW) is an ETF from Harbor Funds. Year to date, SCHD is up 24.04% versus a loss of 4.58% for XAIW.
Past performance does not guarantee future results.
Fees and Cost Over Time
SCHD charges 0.06% per year while XAIW charges 0.59%. On a $10,000 position that is $6 vs $59 annually, a gap of $53 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.00% for XAIW.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 25 in XAIW, totalling 100.0% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 25 in XAIW, against full books of 103 and 25.
What only one of them owns
Our book lists 19 positions for XAIW that do not appear in our book for SCHD (82.5% of the fund), and 99 for SCHD that do not appear in XAIW (99.9%).
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 XAIW 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 XAIW?
SCHD has an expense ratio of 0.06% while XAIW charges 0.59%. SCHD is the cheaper option, by $53 a year on a $10,000 investment.
Which pays a higher dividend, SCHD or XAIW?
SCHD yields 3.00% while XAIW yields 0.00%, so SCHD currently pays the higher dividend yield.
Is XAIW better than SCHD?
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 64.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.