SCHD vs XLKI
Schwab US Dividend Equity ETF vs State Street Technology Select Sector SPDR Premium Income 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 | XLKI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $108.7B | $15M | |
| Dividend Yield | 3.13% | 17.95% | |
| Holdings | 104 | 5 | |
| YTD Return | +28.70% | +15.56% | |
| 1Y Return | +32.27% | +28.39% | |
| 3Y Return (annualized) | +17.27% | - | |
| 5Y Return (annualized) | +10.23% | - | |
| Volatility (annualized) | 13.7% | 16.9% | |
| Max Drawdown | -33.4% | -11.2% | |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jul 29, 2025 |
SCHD vs XLKI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and State Street Technology Select Sector SPDR Premium Income ETF (XLKI) is a ETF from State Street Investment Management. Over the past year SCHD returned +32.27% while XLKI returned +28.39%. Year to date, SCHD is up 28.70% versus a gain of 15.56% for XLKI.
Risk: Volatility and Drawdowns
XLKI has been the more volatile fund, with annualized monthly volatility of 16.9% compared with 13.7% 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 -11.2% for XLKI. 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 -0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XLKI 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 3.13% against 17.95% for XLKI.
Holdings Overlap
SCHD and XLKI share 0 holdings out of 102 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 XLKI?
SCHD has an expense ratio of 0.06% while XLKI 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 XLKI?
Over the past year SCHD returned +32.27% vs +28.39% for XLKI, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.63% vs +25.73% for XLKI. Past performance does not guarantee future results.
Which is riskier, SCHD or XLKI?
XLKI has been the more volatile fund at 16.9% annualized versus 13.7% for SCHD. Worst drawdown: SCHD -33.4% vs XLKI -11.2%.
Should I hold both SCHD and XLKI?
SCHD and XLKI have a monthly-return correlation of -0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XLKI?
SCHD and XLKI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, SCHD or XLKI?
SCHD yields 3.13% while XLKI yields 17.95%, so XLKI currently pays the higher dividend yield.
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