SCHD vs XITK
Schwab US Dividend Equity ETF vs State Street SPDR FactSet Innovative Technology ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | XITK | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.45% | |
| AUM | $108.7B | $73M | |
| Dividend Yield | 3.13% | 0.00% | |
| Holdings | 104 | 99 | |
| YTD Return | +26.54% | +18.54% | |
| 1Y Return | +30.90% | +16.54% | |
| 3Y Return (annualized) | +16.29% | +18.00% | |
| 5Y Return (annualized) | +9.65% | -0.17% | |
| Volatility (annualized) | 13.6% | 25.3% | |
| Max Drawdown | -33.4% | -65.6% | |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jan 13, 2016 |
SCHD vs XITK Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and State Street SPDR FactSet Innovative Technology ETF (XITK) is a ETF from State Street Investment Management. Over the past year SCHD returned +30.90% while XITK returned +16.54%. Year to date, SCHD is up 26.54% versus a gain of 18.54% for XITK.
Over three years, SCHD compounded at +16.29% per year against +18.00% for XITK; over five years the annualized figures are +9.65% and -0.17% respectively. Across the full 11-year window we track, XITK has the edge at +15.27% annualized vs +11.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XITK has been the more volatile fund, with annualized monthly volatility of 25.3% 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 -65.6% for XITK. 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XITK charges 0.45%. On a $10,000 position that is $6 vs $45 annually, a gap of $39 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.00% for XITK.
Holdings Overlap
SCHD and XITK share 1 holdings out of 196 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in XITK | Difference |
|---|---|---|---|
| BAH | 0.23% | 0.75% | 0.52% |
Frequently Asked Questions
Which is cheaper, SCHD or XITK?
SCHD has an expense ratio of 0.06% while XITK charges 0.45%. SCHD is the cheaper option. On a $10,000 investment, that is $39 per year of difference.
Which performed better, SCHD or XITK?
Over the past year SCHD returned +30.90% vs +16.54% for XITK, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), SCHD annualized +11.51% vs +15.27% for XITK. Past performance does not guarantee future results.
Which is riskier, SCHD or XITK?
XITK has been the more volatile fund at 25.3% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XITK -65.6%.
Should I hold both SCHD and XITK?
SCHD and XITK have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XITK?
SCHD and XITK share 1 common holdings with a 0.2% weight overlap. Combined, they hold 196 unique securities.
Which pays a higher dividend, SCHD or XITK?
SCHD yields 3.13% while XITK yields 0.00%, so SCHD currently pays the higher dividend yield.
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