SCHD vs XNAV
Schwab US Dividend Equity ETF vs FundX Aggressive ETF
Which is better, SCHD or XNAV?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, XNAV over 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 61.8%.
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 | XNAV |
|---|---|---|
| Expense Ratio | 0.06%Best | 1.27% |
| AUM | $112.1B | $30M |
| Dividend Yield | 3.00% | 0.53% |
| Holdings | 103 | 22 |
| YTD Return | +23.68%Best | +14.43% |
| 1Y Return | +28.36%Best | +20.80% |
| 3Y Return (annualized) | +16.20% | +22.69%Best |
| 5Y Return (annualized) | +10.07% | - |
| Volatility (annualized) | 13.4%Best | 16.5% |
| Max Drawdown | -16.1%Best | -24.3% |
| $10,000 over 3.9 years | $16,744 | $20,434Best |
| Top 10 Weight | 41.8%Best | 61.8% |
| Fund Family | Charles Schwab Asset Management | FundX Funds |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Oct 14, 2022 |
Volatility and max drawdown, and the $10,000 over 3.9 years row, are measured over the window both funds cover: Oct 17, 2022 to Sep 22, 2026 (3.9 years).
SCHD vs XNAV 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 3.9 years both funds cover.
SCHD vs XNAV Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and FundX Aggressive ETF (XNAV) is an ETF from FundX Funds. Over the past year SCHD returned +28.36% while XNAV returned +20.80%. Year to date, SCHD is up 23.68% versus a gain of 14.43% for XNAV.
Over three years, SCHD compounded at +16.20% per year against +22.69% for XNAV. Across the full 4-year window we track, XNAV has the edge at +20.11% annualized vs +14.13%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XNAV has been the more volatile fund, with annualized monthly volatility of 16.5% compared with 13.4% 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 -16.1% for SCHD and -24.3% for XNAV. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.44. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XNAV charges 1.27%. On a $10,000 position that is $6 vs $127 annually, a gap of $121 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.53% for XNAV.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 21 in XNAV, totalling 100.0% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 21 in XNAV, against full books of 103 and 22.
What only one of them owns
Measured across the 100 and 21 positions we hold weights for.
SCHD holds 99 positions XNAV does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of SCHD and XNAV 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 XNAV?
SCHD has an expense ratio of 0.06% while XNAV charges 1.27%. SCHD is the cheaper option, by $121 a year on a $10,000 investment.
Which performed better, SCHD or XNAV?
Over the past year SCHD returned +28.36% vs +20.80% for XNAV, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +14.13% vs +20.11% for XNAV. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XNAV?
XNAV has been the more volatile fund at 16.5% annualized versus 13.4% for SCHD. Worst drawdown: SCHD -16.1% vs XNAV -24.3%.
Should I hold both SCHD and XNAV?
SCHD and XNAV have a monthly-return correlation of 0.44, 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 XNAV?
SCHD yields 3.00% while XNAV yields 0.53%, so SCHD currently pays the higher dividend yield.
Is XNAV better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, XNAV over 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 61.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.