SCHD vs XLRI
Schwab US Dividend Equity ETF vs State Street Real Estate 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 | XLRI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $108.7B | $3M | |
| Dividend Yield | 3.13% | 13.57% | |
| Holdings | 104 | 3 | |
| YTD Return | +27.67% | +8.59% | |
| 1Y Return | +31.26% | +9.78% | |
| 3Y Return (annualized) | +16.66% | - | |
| 5Y Return (annualized) | +10.18% | - | |
| Volatility (annualized) | 13.6% | 9.1% | |
| Max Drawdown | -33.4% | -7.1% | |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jul 29, 2025 |
SCHD vs XLRI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and State Street Real Estate Select Sector SPDR Premium Income ETF (XLRI) is a ETF from State Street Investment Management. Over the past year SCHD returned +31.26% while XLRI returned +9.78%. Year to date, SCHD is up 27.67% versus a gain of 8.59% for XLRI.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.1% for XLRI. 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 -7.1% for XLRI. 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XLRI 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 13.57% for XLRI.
Holdings Overlap
SCHD and XLRI share 0 holdings out of 101 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 XLRI?
SCHD has an expense ratio of 0.06% while XLRI 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 XLRI?
Over the past year SCHD returned +31.26% vs +9.78% for XLRI, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.57% vs +8.41% for XLRI. Past performance does not guarantee future results.
Which is riskier, SCHD or XLRI?
SCHD has been the more volatile fund at 13.6% annualized versus 9.1% for XLRI. Worst drawdown: SCHD -33.4% vs XLRI -7.1%.
Should I hold both SCHD and XLRI?
SCHD and XLRI have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XLRI?
SCHD and XLRI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or XLRI?
SCHD yields 3.13% while XLRI yields 13.57%, so XLRI currently pays the higher dividend yield.
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