SCHD vs XFIV
Schwab US Dividend Equity ETF vs BondBloxx Bloomberg Five Year Target Duration US Treasury ETF
Which is better, SCHD or XFIV?
Large Cap Value against Intermediate Term Bond.
XFIV has a lower expense ratio. SCHD led over 1Y, 3Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SCHD | XFIV |
|---|---|---|
| Expense Ratio | 0.06% | 0.05%Best |
| AUM | $112.1B | $347M |
| Dividend Yield | 3.00% | 3.93% |
| Holdings | 103 | 51 |
| YTD Return | +25.07%Best | -2.25% |
| 1Y Return | +27.61%Best | -1.76% |
| 3Y Return (annualized) | +15.74%Best | +3.39% |
| 5Y Return (annualized) | +9.89% | - |
| Volatility (annualized) | 14.2% | 5.0%Best |
| Max Drawdown | -16.1% | -6.4%Best |
| $10,000 over 4 years | $16,671Best | $11,008 |
| Fund Family | Charles Schwab Asset Management | BondBloxx |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Intermediate Term Bond |
| Inception | Oct 20, 2011 | Sep 13, 2022 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4 years row, are measured over the window both funds cover: Sep 16, 2022 to Sep 11, 2026 (4 years).
SCHD vs XFIV growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4 years both funds cover.
SCHD vs XFIV Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and BondBloxx Bloomberg Five Year Target Duration US Treasury ETF (XFIV) is an ETF from BondBloxx. Over the past year SCHD returned +27.61% while XFIV returned -1.76%. Year to date, SCHD is up 25.07% versus a loss of 2.25% for XFIV.
Over three years, SCHD compounded at +15.74% per year against +3.39% for XFIV. Across the full 4-year window we track, SCHD has the edge at +13.63% annualized vs +2.43%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 5.0% for XFIV. 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 -16.1% for SCHD and -6.4% for XFIV. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.41. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XFIV charges 0.05%. On a $10,000 position that is $6 vs $5 annually, a gap of $1 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 3.93% for XFIV.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 31 in XFIV, totalling 100.0% and 65.3% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 31 in XFIV, against full books of 103 and 51.
You are not choosing between two funds in isolation.
Whichever of SCHD and XFIV you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or XFIV?
SCHD has an expense ratio of 0.06% while XFIV charges 0.05%. XFIV is the cheaper option, by $1 a year on a $10,000 investment.
Which performed better, SCHD or XFIV?
Over the past year SCHD returned +27.61% vs -1.76% for XFIV, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +13.63% vs +2.43% for XFIV. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XFIV?
SCHD has been the more volatile fund at 14.2% annualized versus 5.0% for XFIV. Worst drawdown: SCHD -16.1% vs XFIV -6.4%.
Should I hold both SCHD and XFIV?
SCHD and XFIV have a monthly-return correlation of 0.41, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or XFIV?
SCHD yields 3.00% while XFIV yields 3.93%, so XFIV currently pays the higher dividend yield.
Is XFIV better than SCHD?
XFIV has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.