SCHD vs XHLF
Schwab US Dividend Equity ETF vs BondBloxx Bloomberg Six Month Target Duration US Treasury ETF
Quick Verdict
XHLF has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | XHLF | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.03% | |
| AUM | $108.7B | $2.0B | |
| Dividend Yield | 3.13% | 3.81% | |
| Holdings | 104 | 28 | |
| YTD Return | +28.70% | +2.15% | |
| 1Y Return | +32.27% | +3.77% | |
| 3Y Return (annualized) | +17.27% | +4.44% | |
| 5Y Return (annualized) | +10.23% | - | |
| Volatility (annualized) | 13.7% | 0.4% | |
| Max Drawdown | -33.4% | -0.3% | |
| Fund Family | Charles Schwab Asset Management | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Sep 13, 2022 |
SCHD vs XHLF Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and BondBloxx Bloomberg Six Month Target Duration US Treasury ETF (XHLF) is a ETF from BondBloxx. Over the past year SCHD returned +32.27% while XHLF returned +3.77%. Year to date, SCHD is up 28.70% versus a gain of 2.15% for XHLF.
Over three years, SCHD compounded at +17.27% per year against +4.44% for XHLF. Across the full 4-year window we track, SCHD has the edge at +11.63% annualized vs +4.32%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 0.4% for XHLF. 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 -0.3% for XHLF. 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 -0.11. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XHLF charges 0.03%. On a $10,000 position that is $6 vs $3 annually, a gap of $3 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 3.81% for XHLF.
Holdings Overlap
SCHD and XHLF share 0 holdings out of 101 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 XHLF?
SCHD has an expense ratio of 0.06% while XHLF charges 0.03%. XHLF is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, SCHD or XHLF?
Over the past year SCHD returned +32.27% vs +3.77% for XHLF, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.63% vs +4.32% for XHLF. Past performance does not guarantee future results.
Which is riskier, SCHD or XHLF?
SCHD has been the more volatile fund at 13.7% annualized versus 0.4% for XHLF. Worst drawdown: SCHD -33.4% vs XHLF -0.3%.
Should I hold both SCHD and XHLF?
SCHD and XHLF have a monthly-return correlation of -0.11, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XHLF?
SCHD and XHLF share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or XHLF?
SCHD yields 3.13% while XHLF yields 3.81%, so XHLF currently pays the higher dividend yield.
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