SCHD vs XOP
Schwab US Dividend Equity ETF vs State Street SPDR S&P Oil & Gas Exploration & Production ETF
Which is better, SCHD or XOP?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 3Y and the full window, XOP over 1Y and 5Y. XOP is less concentrated, with 29.1% of the fund in its ten largest positions against 41.8%.
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 | XOP |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.35% |
| AUM | $119.9B | $4.0B |
| Dividend Yield | 2.96% | 1.53% |
| Holdings | 204 | 108 |
| YTD Return | +29.95% | +36.49%Best |
| 1Y Return | +37.26% | +39.79%Best |
| 3Y Return (annualized) | +19.10%Best | +9.86% |
| 5Y Return (annualized) | +9.87% | +11.81%Best |
| Volatility (annualized) | 13.9%Best | 38.5% |
| Max Drawdown | -33.4%Best | -91.0% |
| $10,000 over 5 years | $16,010 | $17,474Best |
| Top 10 Weight | 41.8% | 29.1%Best |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jun 19, 2006 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Nov 6, 2026 (15 years).
SCHD vs XOP 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 15 years both funds cover.
SCHD vs XOP Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and State Street SPDR S&P Oil & Gas Exploration & Production ETF (XOP) is an ETF from State Street Investment Management. Over the past year SCHD returned +37.26% while XOP returned +39.79%. Year to date, SCHD is up 29.95% versus a gain of 36.49% for XOP.
Over three years, SCHD compounded at +19.10% per year against +9.86% for XOP; over five years the annualized figures are +9.87% and +11.81% respectively. Across the full 15-year window we track, SCHD has the edge at +11.52% annualized vs -0.26%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XOP has been the more volatile fund, with annualized monthly volatility of 38.5% compared with 13.9% 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 -91.0% for XOP. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.63. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XOP 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 2.96% against 1.53% for XOP.
Holdings Overlap
13.0% of SCHD's money is in holdings XOP also owns. 19.6% of XOP's money is in holdings SCHD also owns.
XOP and SCHD share little of their money.
7 positions in common, counted across the 98 positions we hold weights for in SCHD and 53 in XOP, against full books of 204 and 108.
What only one of them owns
Our book lists 45 positions for XOP that do not appear in our book for SCHD (80.4% of the fund), and 90 for SCHD that do not appear in XOP (86.8%).
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
You are not choosing between two funds in isolation.
Whichever of SCHD and XOP 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 XOP?
SCHD has an expense ratio of 0.06% while XOP charges 0.35%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, SCHD or XOP?
Over the past year SCHD returned +37.26% vs +39.79% for XOP, so XOP leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.52% vs -0.26% for XOP. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XOP?
XOP has been the more volatile fund at 38.5% annualized versus 13.9% for SCHD. Worst drawdown: SCHD -33.4% vs XOP -91.0%.
Should I hold both SCHD and XOP?
SCHD and XOP have a monthly-return correlation of 0.63, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and XOP?
19.6% of XOP's money is in holdings SCHD also owns. 19.6% of XOP's is in holdings SCHD also owns. They hold 7 positions in common, counted across the 98 positions we hold weights for in SCHD and 53 in XOP.
Which pays a higher dividend, SCHD or XOP?
SCHD yields 2.96% while XOP yields 1.53%, so SCHD currently pays the higher dividend yield.
Is XOP better than SCHD?
SCHD has a lower expense ratio. SCHD led over 3Y and the full window, XOP over 1Y and 5Y. XOP is less concentrated, with 29.1% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.