SCHD vs XAPR
Schwab US Dividend Equity ETF vs FT Vest US Equity Enhance & Moderate Buffer ETF - April
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | XAPR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.85% | |
| AUM | $103.7B | $29M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 6 | |
| YTD Return | +25.58% | +5.17% | |
| 1Y Return | +31.06% | +8.07% | |
| 3Y Return (annualized) | +15.55% | - | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | 2.5% | |
| Max Drawdown | -33.4% | -6.2% | |
| Fund Family | Charles Schwab Asset Management | First Trust Portfolios (US) | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Apr 19, 2024 |
SCHD vs XAPR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and FT Vest US Equity Enhance & Moderate Buffer ETF - April (XAPR) is a ETF from First Trust Portfolios (US). Over the past year SCHD returned +31.06% while XAPR returned +8.07%. Year to date, SCHD is up 25.58% versus a gain of 5.17% for XAPR.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 2.5% for XAPR. 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 -6.2% for XAPR. 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 -0.14. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XAPR charges 0.85%. On a $10,000 position that is $6 vs $85 annually, a gap of $79 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.00% for XAPR.
Holdings Overlap
SCHD and XAPR share 0 holdings out of 101 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 XAPR?
SCHD has an expense ratio of 0.06% while XAPR charges 0.85%. SCHD is the cheaper option. On a $10,000 investment, that is $79 per year of difference.
Which performed better, SCHD or XAPR?
Over the past year SCHD returned +31.06% vs +8.07% for XAPR, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.46% vs +11.38% for XAPR. Past performance does not guarantee future results.
Which is riskier, SCHD or XAPR?
SCHD has been the more volatile fund at 13.6% annualized versus 2.5% for XAPR. Worst drawdown: SCHD -33.4% vs XAPR -6.2%.
Should I hold both SCHD and XAPR?
SCHD and XAPR have a monthly-return correlation of -0.14, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XAPR?
SCHD and XAPR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or XAPR?
SCHD yields 3.31% while XAPR yields 0.00%, so SCHD currently pays the higher dividend yield.
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