SCHD vs XC
Schwab US Dividend Equity ETF vs WisdomTree True Emerging Markets Fund
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XC offers more diversification with 535 holdings.
Side-by-Side Comparison
| Metric | SCHD | XC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.32% | |
| AUM | $112.2B | $81M | |
| Dividend Yield | 3.13% | 12.06% | |
| Holdings | 103 | 535 | |
| YTD Return | +28.33% | +0.77% | |
| 1Y Return | +30.37% | +8.16% | |
| 3Y Return (annualized) | +16.64% | +11.08% | |
| 5Y Return (annualized) | +10.04% | - | |
| Volatility (annualized) | 13.6% | 13.8% | |
| Max Drawdown | -33.4% | -21.0% | |
| Fund Family | Charles Schwab Asset Management | WisdomTree Investments | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Sep 22, 2022 |
SCHD vs XC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and WisdomTree True Emerging Markets Fund (XC) is a ETF from WisdomTree Investments. Over the past year SCHD returned +30.37% while XC returned +8.16%. Year to date, SCHD is up 28.33% versus a gain of 0.77% for XC.
Over three years, SCHD compounded at +16.64% per year against +11.08% for XC. Across the full 4-year window we track, XC has the edge at +11.67% annualized vs +11.58%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XC has been the more volatile fund, with annualized monthly volatility of 13.8% 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 -21.0% for XC. 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XC charges 0.32%. On a $10,000 position that is $6 vs $32 annually, a gap of $26 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 12.06% for XC.
Holdings Overlap
SCHD and XC share 0 holdings out of 604 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 XC?
SCHD has an expense ratio of 0.06% while XC charges 0.32%. SCHD is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, SCHD or XC?
Over the past year SCHD returned +30.37% vs +8.16% for XC, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.58% vs +11.67% for XC. Past performance does not guarantee future results.
Which is riskier, SCHD or XC?
XC has been the more volatile fund at 13.8% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XC -21.0%.
Should I hold both SCHD and XC?
SCHD and XC have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XC?
SCHD and XC share 0 common holdings with a 0.0% weight overlap. Combined, they hold 604 unique securities.
Which pays a higher dividend, SCHD or XC?
SCHD yields 3.13% while XC yields 12.06%, so XC currently pays the higher dividend yield.
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