SCHD vs XDAT
SCHD vs XDAT
Schwab US Dividend Equity ETF vs Franklin Exponential Data ETF
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 | XDAT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.50% | |
| AUM | $103.7B | $4M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 62 | |
| YTD Return | +24.26% | +3.62% | |
| 1Y Return | +31.38% | -0.54% | |
| 3Y Return (annualized) | +15.08% | +13.09% | |
| 5Y Return (annualized) | +9.72% | -1.35% | |
| Volatility (annualized) | 13.6% | 24.1% | |
| Max Drawdown | -33.4% | -54.9% | |
| Fund Family | Charles Schwab Asset Management | Franklin Templeton Investments (US) | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jan 12, 2021 |
SCHD vs XDAT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Franklin Exponential Data ETF (XDAT) is a ETF from Franklin Templeton Investments (US). Over the past year SCHD returned +31.38% while XDAT returned -0.54%. Year to date, SCHD is up 24.26% versus a gain of 3.62% for XDAT.
Over three years, SCHD compounded at +15.08% per year against +13.09% for XDAT; over five years the annualized figures are +9.72% and -1.35% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +1.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XDAT has been the more volatile fund, with annualized monthly volatility of 24.1% 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 -54.9% for XDAT. 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 XDAT 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 0.00% for XDAT.
Holdings Overlap
SCHD and XDAT share 0 holdings out of 160 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 XDAT?
SCHD has an expense ratio of 0.06% while XDAT charges 0.50%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, SCHD or XDAT?
Over the past year SCHD returned +31.38% vs -0.54% for XDAT, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +11.39% vs +1.08% for XDAT. Past performance does not guarantee future results.
Which is riskier, SCHD or XDAT?
XDAT has been the more volatile fund at 24.1% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XDAT -54.9%.
Should I hold both SCHD and XDAT?
SCHD and XDAT 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 XDAT?
SCHD and XDAT share 0 common holdings with a 0.0% weight overlap. Combined, they hold 160 unique securities.
Which pays a higher dividend, SCHD or XDAT?
SCHD yields 3.31% while XDAT yields 0.00%, so SCHD currently pays the higher dividend yield.
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