SCHD vs XCHG
Schwab US Dividend Equity ETF vs AB US Equity ETF
Quick Verdict
SCHD has a lower expense ratio. XCHG offers more diversification with 587 holdings.
Side-by-Side Comparison
| Metric | SCHD | XCHG | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.50% | |
| AUM | $103.7B | $699M | |
| Dividend Yield | 3.31% | 0.05% | |
| Holdings | 104 | 599 | |
| YTD Return | +25.62% | +11.39% | |
| 1Y Return | +32.62% | - | |
| 3Y Return (annualized) | +15.58% | - | |
| 5Y Return (annualized) | +9.63% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -9.7% | |
| Fund Family | Charles Schwab Asset Management | AllianceBernstein L.P. | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Dec 12, 2025 |
SCHD vs XCHG Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and AB US Equity ETF (XCHG) is a ETF from AllianceBernstein L.P.. Year to date, SCHD is up 25.62% versus a gain of 11.39% for XCHG.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -9.7% for XCHG. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while XCHG charges 0.50%. On a $10,000 position that is $6 vs $50 annually, a gap of $44 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.05% for XCHG.
Holdings Overlap
SCHD and XCHG share 48 holdings out of 639 unique holdings combined, representing a 7.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or XCHG?
SCHD has an expense ratio of 0.06% while XCHG charges 0.50%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
What is the holdings overlap between SCHD and XCHG?
SCHD and XCHG share 48 common holdings with a 7.4% weight overlap. Combined, they hold 639 unique securities.
Which pays a higher dividend, SCHD or XCHG?
SCHD yields 3.31% while XCHG yields 0.05%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.