SCHD vs XITK
Schwab US Dividend Equity ETF vs State Street SPDR FactSet Innovative Technology ETF
Which is better, SCHD or XITK?
Large Cap Value against Mid Cap Growth.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and 5Y, XITK over the full window. XITK is less concentrated, with 25.4% of the fund in its ten largest positions against 41.5%.
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 | XITK |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.45% |
| AUM | $112.2B | $70M |
| Dividend Yield | 3.13% | 0.00% |
| Holdings | 103 | 97 |
| YTD Return | +27.56%Best | +10.91% |
| 1Y Return | +30.29%Best | +5.56% |
| 3Y Return (annualized) | +16.37%Best | +13.21% |
| 5Y Return (annualized) | +10.23%Best | -3.30% |
| Volatility (annualized) | 14.9%Best | 25.0% |
| Max Drawdown | -33.4%Best | -65.6% |
| $10,000 over 5 years | $16,274Best | $8,455 |
| Top 10 Weight | 41.5% | 25.4%Best |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Growth |
| Inception | Oct 20, 2011 | Jan 13, 2016 |
Volatility and max drawdown are measured over the window both funds cover: Jan 14, 2016 to Sep 4, 2026 (10.6 years).
SCHD vs XITK 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 10.6 years both funds cover.
SCHD vs XITK Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and State Street SPDR FactSet Innovative Technology ETF (XITK) is an ETF from State Street Investment Management. Over the past year SCHD returned +30.29% while XITK returned +5.56%. Year to date, SCHD is up 27.56% versus a gain of 10.91% for XITK.
Over three years, SCHD compounded at +16.37% per year against +13.21% for XITK; over five years the annualized figures are +10.23% and -3.30% respectively. Across the full 11-year window we track, XITK has the edge at +14.46% annualized vs +12.29%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XITK has been the more volatile fund, with annualized monthly volatility of 25.0% compared with 14.9% 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 what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.49. They move together some of the time, and apart the rest.
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
0.2% of SCHD's money is in holdings XITK also owns. 0.8% of XITK's money is in holdings SCHD also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 97 in XITK, against full books of 103 and 97.
What only one of them owns
Our book lists 91 positions for XITK that do not appear in our book for SCHD (95.0% of the fund), and 98 for SCHD that do not appear in XITK (99.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in XITK | Difference |
|---|---|---|---|
| BAHBooz Allen Hamilton Holding Corp. | 0.23% | 0.75% | 0.52% |
You are not choosing between two funds in isolation.
Whichever of SCHD and XITK 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 XITK?
SCHD has an expense ratio of 0.06% while XITK charges 0.45%. SCHD is the cheaper option, by $39 a year on a $10,000 investment.
Which performed better, SCHD or XITK?
Over the past year SCHD returned +30.29% vs +5.56% for XITK, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), SCHD annualized +12.29% vs +14.46% for XITK. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XITK?
XITK has been the more volatile fund at 25.0% annualized versus 14.9% 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 0.49, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
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.
Is XITK better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and 5Y, XITK over the full window. XITK is less concentrated, with 25.4% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.