SCHD vs XOVR
Schwab US Dividend Equity ETF vs ERShares Private-Public Crossover ETF
Which is better, SCHD or XOVR?
Large Cap Value against Large Cap Growth.
SCHD has a lower expense ratio. SCHD led over 1Y, 5Y and the full window, XOVR over 3Y.
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 | XOVR |
|---|---|---|
| Expense Ratio | 0.06%Best | 1.81% |
| AUM | $112.1B | $1.6B |
| Dividend Yield | 3.00% | 0.00% |
| Holdings | 103 | 33 |
| YTD Return | +24.23%Best | +5.71% |
| 1Y Return | +27.90%Best | +1.05% |
| 3Y Return (annualized) | +15.55% | +21.12%Best |
| 5Y Return (annualized) | +9.97%Best | +5.15% |
| Volatility (annualized) | 16.1%Best | 24.1% |
| Max Drawdown | -33.4%Best | -56.3% |
| $10,000 over 5 years | $16,083Best | $12,854 |
| Fund Family | Charles Schwab Asset Management | ERShares |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Growth |
| Inception | Oct 20, 2011 | Nov 7, 2017 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Nov 8, 2017 to Sep 17, 2026 (8.9 years).
SCHD vs XOVR 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 8.9 years both funds cover.
SCHD vs XOVR Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and ERShares Private-Public Crossover ETF (XOVR) is an ETF from ERShares. Over the past year SCHD returned +27.90% while XOVR returned +1.05%. Year to date, SCHD is up 24.23% versus a gain of 5.71% for XOVR.
Over three years, SCHD compounded at +15.55% per year against +21.12% for XOVR; over five years the annualized figures are +9.97% and +5.15% respectively. Across the full 9-year window we track, SCHD has the edge at +11.01% annualized vs +10.81%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XOVR has been the more volatile fund, with annualized monthly volatility of 24.1% compared with 16.1% 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 -56.3% for XOVR. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.50. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XOVR charges 1.81%. On a $10,000 position that is $6 vs $181 annually, a gap of $175 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.00% for XOVR.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 30 in XOVR, totalling 100.0% and 80.9% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 62 days apart, SCHD as of Aug 31, 2026 and XOVR as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 30 in XOVR, against full books of 103 and 33.
You are not choosing between two funds in isolation.
Whichever of SCHD and XOVR 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 XOVR?
SCHD has an expense ratio of 0.06% while XOVR charges 1.81%. SCHD is the cheaper option, by $175 a year on a $10,000 investment.
Which performed better, SCHD or XOVR?
Over the past year SCHD returned +27.90% vs +1.05% for XOVR, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), SCHD annualized +11.01% vs +10.81% for XOVR. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XOVR?
XOVR has been the more volatile fund at 24.1% annualized versus 16.1% for SCHD. Worst drawdown: SCHD -33.4% vs XOVR -56.3%.
Should I hold both SCHD and XOVR?
SCHD and XOVR have a monthly-return correlation of 0.50, 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 XOVR?
SCHD yields 3.00% while XOVR yields 0.00%, so SCHD currently pays the higher dividend yield.
Is XOVR better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 5Y and the full window, XOVR over 3Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.