SCHD vs XNTK
Schwab US Dividend Equity ETF vs State Street SPDR NYSE Technology ETF
Quick Verdict
SCHD has a lower expense ratio. XNTK delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | XNTK | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $2.1B | |
| Dividend Yield | 3.31% | 0.14% | |
| Holdings | 104 | 37 | |
| YTD Return | +25.62% | +29.02% | |
| 1Y Return | +32.62% | +48.59% | |
| 3Y Return (annualized) | +15.58% | +37.41% | |
| 5Y Return (annualized) | +9.63% | +18.20% | |
| Volatility (annualized) | 13.6% | 26.2% | |
| Max Drawdown | -33.4% | -76.3% | |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Sep 25, 2000 |
SCHD vs XNTK Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and State Street SPDR NYSE Technology ETF (XNTK) is a ETF from State Street Investment Management. Over the past year SCHD returned +32.62% while XNTK returned +48.59%. Year to date, SCHD is up 25.62% versus a gain of 29.02% for XNTK.
Over three years, SCHD compounded at +15.58% per year against +37.41% for XNTK; over five years the annualized figures are +9.63% and +18.20% respectively. Across the full 15-year window we track, SCHD has the edge at +11.47% annualized vs +8.24%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XNTK has been the more volatile fund, with annualized monthly volatility of 26.2% 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 -76.3% for XNTK. 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XNTK 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 3.31% against 0.14% for XNTK.
Holdings Overlap
SCHD and XNTK share 0 holdings out of 108 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 XNTK?
SCHD has an expense ratio of 0.06% while XNTK 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 XNTK?
Over the past year SCHD returned +32.62% vs +48.59% for XNTK, so XNTK leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.47% vs +8.24% for XNTK. Past performance does not guarantee future results.
Which is riskier, SCHD or XNTK?
XNTK has been the more volatile fund at 26.2% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XNTK -76.3%.
Should I hold both SCHD and XNTK?
SCHD and XNTK have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XNTK?
SCHD and XNTK share 0 common holdings with a 0.0% weight overlap. Combined, they hold 108 unique securities.
Which pays a higher dividend, SCHD or XNTK?
SCHD yields 3.31% while XNTK yields 0.14%, so SCHD currently pays the higher dividend yield.
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