SCHD vs XHYD
SCHD vs XHYD
Schwab US Dividend Equity ETF vs BondBloxx USD High Yield Bond Consumer Non-Cyclicals Sector ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XHYD offers more diversification with 152 holdings.
Side-by-Side Comparison
| Metric | SCHD | XHYD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $14M | |
| Dividend Yield | 3.31% | 5.76% | |
| Holdings | 104 | 175 | |
| YTD Return | +24.26% | +0.24% | |
| 1Y Return | +31.38% | +5.87% | |
| 3Y Return (annualized) | +15.08% | +7.53% | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 7.4% | |
| Max Drawdown | -33.4% | -11.0% | |
| Fund Family | Charles Schwab Asset Management | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Feb 15, 2022 |
SCHD vs XHYD Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and BondBloxx USD High Yield Bond Consumer Non-Cyclicals Sector ETF (XHYD) is a ETF from BondBloxx. Over the past year SCHD returned +31.38% while XHYD returned +5.87%. Year to date, SCHD is up 24.26% versus a gain of 0.24% for XHYD.
Over three years, SCHD compounded at +15.08% per year against +7.53% for XHYD. Across the full 4-year window we track, SCHD has the edge at +11.39% annualized vs +4.75%. 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 7.4% for XHYD. 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 -11.0% for XHYD. 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XHYD 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 3.31% against 5.76% for XHYD.
Holdings Overlap
SCHD and XHYD share 0 holdings out of 252 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 XHYD?
SCHD has an expense ratio of 0.06% while XHYD charges 0.35%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, SCHD or XHYD?
Over the past year SCHD returned +31.38% vs +5.87% for XHYD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.39% vs +4.75% for XHYD. Past performance does not guarantee future results.
Which is riskier, SCHD or XHYD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.4% for XHYD. Worst drawdown: SCHD -33.4% vs XHYD -11.0%.
Should I hold both SCHD and XHYD?
SCHD and XHYD have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XHYD?
SCHD and XHYD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 252 unique securities.
Which pays a higher dividend, SCHD or XHYD?
SCHD yields 3.31% while XHYD yields 5.76%, so XHYD currently pays the higher dividend yield.
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