SCHD vs XCNY
Schwab US Dividend Equity ETF vs State Street SPDR S&P Emerging Markets ex-China ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XCNY offers more diversification with 1195 holdings.
Side-by-Side Comparison
| Metric | SCHD | XCNY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.19% | |
| AUM | $103.7B | $9M | |
| Dividend Yield | 3.31% | 2.26% | |
| Holdings | 104 | 1,234 | |
| YTD Return | +25.58% | +18.12% | |
| 1Y Return | +31.06% | +29.74% | |
| 3Y Return (annualized) | +15.55% | - | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | 14.3% | |
| Max Drawdown | -33.4% | -18.9% | |
| Fund Family | Charles Schwab Asset Management | SPDR State Street Global Advisors | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Sep 4, 2024 |
SCHD vs XCNY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and State Street SPDR S&P Emerging Markets ex-China ETF (XCNY) is a ETF from SPDR State Street Global Advisors. Over the past year SCHD returned +31.06% while XCNY returned +29.74%. Year to date, SCHD is up 25.58% versus a gain of 18.12% for XCNY.
Risk: Volatility and Drawdowns
XCNY has been the more volatile fund, with annualized monthly volatility of 14.3% 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 -18.9% for XCNY. 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 0.20. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XCNY charges 0.19%. On a $10,000 position that is $6 vs $19 annually, a gap of $13 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.26% for XCNY.
Holdings Overlap
SCHD and XCNY share 2 holdings out of 1293 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 XCNY?
SCHD has an expense ratio of 0.06% while XCNY charges 0.19%. SCHD is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, SCHD or XCNY?
Over the past year SCHD returned +31.06% vs +29.74% for XCNY, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.46% vs +19.39% for XCNY. Past performance does not guarantee future results.
Which is riskier, SCHD or XCNY?
XCNY has been the more volatile fund at 14.3% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XCNY -18.9%.
Should I hold both SCHD and XCNY?
SCHD and XCNY have a monthly-return correlation of 0.20, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XCNY?
SCHD and XCNY share 2 common holdings with a 0.0% weight overlap. Combined, they hold 1293 unique securities.
Which pays a higher dividend, SCHD or XCNY?
SCHD yields 3.31% while XCNY yields 2.26%, so SCHD currently pays the higher dividend yield.
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