SCHD vs XHYF
Schwab US Dividend Equity ETF vs BondBloxx USD High Yield Bond Financial & REIT Sector ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XHYF offers more diversification with 226 holdings.
Side-by-Side Comparison
| Metric | SCHD | XHYF | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $7M | |
| Dividend Yield | 3.31% | 6.77% | |
| Holdings | 104 | 272 | |
| YTD Return | +26.21% | +0.00% | |
| 1Y Return | +29.99% | +5.99% | |
| 3Y Return (annualized) | +15.73% | +9.25% | |
| 5Y Return (annualized) | +9.67% | - | |
| Volatility (annualized) | 13.6% | 7.9% | |
| Max Drawdown | -33.4% | -12.9% | |
| Fund Family | Charles Schwab Asset Management | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Feb 15, 2022 |
SCHD vs XHYF Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and BondBloxx USD High Yield Bond Financial & REIT Sector ETF (XHYF) is a ETF from BondBloxx. Over the past year SCHD returned +29.99% while XHYF returned +5.99%. Year to date, SCHD is up 26.21% versus a gain of 0.00% for XHYF.
Over three years, SCHD compounded at +15.73% per year against +9.25% for XHYF. Across the full 4-year window we track, SCHD has the edge at +11.50% annualized vs +5.06%. 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 7.9% for XHYF. 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 -12.9% for XHYF. 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while XHYF 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 6.77% for XHYF.
Holdings Overlap
SCHD and XHYF share 0 holdings out of 326 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 XHYF?
SCHD has an expense ratio of 0.06% while XHYF 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 XHYF?
Over the past year SCHD returned +29.99% vs +5.99% for XHYF, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.50% vs +5.06% for XHYF. Past performance does not guarantee future results.
Which is riskier, SCHD or XHYF?
SCHD has been the more volatile fund at 13.6% annualized versus 7.9% for XHYF. Worst drawdown: SCHD -33.4% vs XHYF -12.9%.
Should I hold both SCHD and XHYF?
SCHD and XHYF have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XHYF?
SCHD and XHYF share 0 common holdings with a 0.0% weight overlap. Combined, they hold 326 unique securities.
Which pays a higher dividend, SCHD or XHYF?
SCHD yields 3.31% while XHYF yields 6.77%, so XHYF currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.