SCHD vs XEMD
Schwab US Dividend Equity ETF vs BondBloxx JP Morgan USD Emerging Markets 1-10 Year Bond ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XEMD offers more diversification with 146 holdings.
Side-by-Side Comparison
| Metric | SCHD | XEMD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.29% | |
| AUM | $103.7B | $842M | |
| Dividend Yield | 3.31% | 5.87% | |
| Holdings | 104 | 465 | |
| YTD Return | +25.62% | +1.35% | |
| 1Y Return | +32.62% | +6.39% | |
| 3Y Return (annualized) | +15.58% | +9.96% | |
| 5Y Return (annualized) | +9.63% | - | |
| Volatility (annualized) | 13.6% | 6.6% | |
| Max Drawdown | -33.4% | -10.0% | |
| Fund Family | Charles Schwab Asset Management | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Jun 30, 2022 |
SCHD vs XEMD Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and BondBloxx JP Morgan USD Emerging Markets 1-10 Year Bond ETF (XEMD) is a ETF from BondBloxx. Over the past year SCHD returned +32.62% while XEMD returned +6.39%. Year to date, SCHD is up 25.62% versus a gain of 1.35% for XEMD.
Over three years, SCHD compounded at +15.58% per year against +9.96% for XEMD. Across the full 4-year window we track, SCHD has the edge at +11.47% annualized vs +8.65%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 6.6% for XEMD. 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 -10.0% for XEMD. 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XEMD charges 0.29%. On a $10,000 position that is $6 vs $29 annually, a gap of $23 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.87% for XEMD.
Holdings Overlap
SCHD and XEMD share 0 holdings out of 246 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 XEMD?
SCHD has an expense ratio of 0.06% while XEMD charges 0.29%. SCHD is the cheaper option. On a $10,000 investment, that is $23 per year of difference.
Which performed better, SCHD or XEMD?
Over the past year SCHD returned +32.62% vs +6.39% for XEMD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.47% vs +8.65% for XEMD. Past performance does not guarantee future results.
Which is riskier, SCHD or XEMD?
SCHD has been the more volatile fund at 13.6% annualized versus 6.6% for XEMD. Worst drawdown: SCHD -33.4% vs XEMD -10.0%.
Should I hold both SCHD and XEMD?
SCHD and XEMD have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XEMD?
SCHD and XEMD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 246 unique securities.
Which pays a higher dividend, SCHD or XEMD?
SCHD yields 3.31% while XEMD yields 5.87%, so XEMD currently pays the higher dividend yield.
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