SCHD vs XAIX
Schwab US Dividend Equity ETF vs Xtrackers Artificial Intelligence and Big Data ETF
Which is better, SCHD or XAIX?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. XAIX led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 44.4%.
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 | XAIX |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.35% |
| AUM | $112.1B | $173M |
| Dividend Yield | 3.00% | 0.39% |
| Holdings | 103 | 106 |
| YTD Return | +24.04% | +32.53%Best |
| 1Y Return | +27.95% | +39.92%Best |
| 3Y Return (annualized) | +15.51% | - |
| 5Y Return (annualized) | +9.80% | - |
| Volatility (annualized) | 13.5%Best | 25.7% |
| Max Drawdown | -16.1%Best | -23.9% |
| $10,000 over 2.1 years | $13,475 | $19,739Best |
| Top 10 Weight | 41.8%Best | 44.4% |
| Fund Family | Charles Schwab Asset Management | Xtrackers ETFs |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jun 4, 2024 |
Volatility and max drawdown, and the $10,000 over 2.1 years row, are measured over the window both funds cover: Aug 2, 2024 to Sep 16, 2026 (2.1 years).
SCHD vs XAIX 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 2.1 years both funds cover.
SCHD vs XAIX Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Xtrackers Artificial Intelligence and Big Data ETF (XAIX) is an ETF from Xtrackers ETFs. Over the past year SCHD returned +27.95% while XAIX returned +39.92%. Year to date, SCHD is up 24.04% versus a gain of 32.53% for XAIX.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XAIX has been the more volatile fund, with annualized monthly volatility of 25.7% compared with 13.5% 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 -23.9% for XAIX. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.12. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while XAIX charges 0.35%. On a $10,000 position that is $6 vs $35 annually, a gap of $29 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.39% for XAIX.
Holdings Overlap
6.8% of SCHD's money is in holdings XAIX also owns. 2.8% of XAIX's money is in holdings SCHD also owns.
SCHD and XAIX share little of their money.
2 positions in common, counted across the 100 positions we hold weights for in SCHD and 101 in XAIX, against full books of 103 and 106.
What only one of them owns
Our book lists 61 positions for XAIX that do not appear in our book for SCHD (80.9% of the fund), and 97 for SCHD that do not appear in XAIX (93.1%).
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 XAIX 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 XAIX?
SCHD has an expense ratio of 0.06% while XAIX charges 0.35%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, SCHD or XAIX?
Over the past year SCHD returned +27.95% vs +39.92% for XAIX, so XAIX leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +15.26% vs +38.24% for XAIX. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XAIX?
XAIX has been the more volatile fund at 25.7% annualized versus 13.5% for SCHD. Worst drawdown: SCHD -16.1% vs XAIX -23.9%.
Should I hold both SCHD and XAIX?
SCHD and XAIX have a monthly-return correlation of 0.12, 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 XAIX?
6.8% of SCHD's money is in holdings XAIX also owns. 2.8% of XAIX's is in holdings SCHD also owns. They hold 2 positions in common, counted across the 100 positions we hold weights for in SCHD and 101 in XAIX.
Which pays a higher dividend, SCHD or XAIX?
SCHD yields 3.00% while XAIX yields 0.39%, so SCHD currently pays the higher dividend yield.
Is XAIX better than SCHD?
SCHD has a lower expense ratio. XAIX led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 44.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.