SCHD vs XHS
Schwab US Dividend Equity ETF vs State Street SPDR S&P Health Care Services ETF
Which is better, SCHD or XHS?
Large Cap Value against Mid Cap Blend.
SCHD has a lower expense ratio. SCHD led over 5Y, XHS over 1Y, 3Y and the full window. XHS is less concentrated, with 23.2% of the fund in its ten largest positions against 41.8%.
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 | XHS |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.35% |
| AUM | $112.1B | $214M |
| Dividend Yield | 3.00% | 0.20% |
| Holdings | 103 | 61 |
| YTD Return | +24.23% | +28.09%Best |
| 1Y Return | +27.90% | +40.65%Best |
| 3Y Return (annualized) | +15.55% | +17.86%Best |
| 5Y Return (annualized) | +9.97%Best | +4.87% |
| Volatility (annualized) | 13.6%Best | 19.2% |
| Max Drawdown | -33.4%Best | -39.4% |
| $10,000 over 5 years | $16,083Best | $12,684 |
| Top 10 Weight | 41.8% | 23.2%Best |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Blend |
| Inception | Oct 20, 2011 | Sep 28, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 17, 2026 (14.9 years).
SCHD vs XHS 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 14.9 years both funds cover.
SCHD vs XHS Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and State Street SPDR S&P Health Care Services ETF (XHS) is an ETF from State Street Investment Management. Over the past year SCHD returned +27.90% while XHS returned +40.65%. Year to date, SCHD is up 24.23% versus a gain of 28.09% for XHS.
Over three years, SCHD compounded at +15.55% per year against +17.86% for XHS; over five years the annualized figures are +9.97% and +4.87% respectively. Across the full 15-year window we track, XHS has the edge at +11.46% annualized vs +11.30%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XHS has been the more volatile fund, with annualized monthly volatility of 19.2% 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 -39.4% for XHS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.63. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XHS charges 0.35%. On a $10,000 position that is $6 vs $35 annually, a gap of $29 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.20% for XHS.
Holdings Overlap
3.8% of SCHD's money is in holdings XHS also owns. 1.6% of XHS's money is in holdings SCHD also owns.
SCHD and XHS share little of their money.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 60 in XHS, against full books of 103 and 61.
What only one of them owns
Measured across the 100 and 60 positions we hold weights for.
SCHD holds 98 positions XHS does not, 96.1% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
Top Shared Holdings
| Stock | Weight in SCHD | Weight in XHS | Difference |
|---|---|---|---|
| UNHUnitedhealth Group, Inc. | 3.82% | 1.57% | 2.25% |
You are not choosing between two funds in isolation.
Whichever of SCHD and XHS 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 XHS?
SCHD has an expense ratio of 0.06% while XHS charges 0.35%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, SCHD or XHS?
Over the past year SCHD returned +27.90% vs +40.65% for XHS, so XHS leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.30% vs +11.46% for XHS. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XHS?
XHS has been the more volatile fund at 19.2% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XHS -39.4%.
Should I hold both SCHD and XHS?
SCHD and XHS have a monthly-return correlation of 0.63, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and XHS?
3.8% of SCHD's money is in holdings XHS also owns. 1.6% of XHS's is in holdings SCHD also owns. They hold 1 positions in common, counted across the 100 positions we hold weights for in SCHD and 60 in XHS.
Which pays a higher dividend, SCHD or XHS?
SCHD yields 3.00% while XHS yields 0.20%, so SCHD currently pays the higher dividend yield.
Is XHS better than SCHD?
SCHD has a lower expense ratio. SCHD led over 5Y, XHS over 1Y, 3Y and the full window. XHS is less concentrated, with 23.2% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.