SCHD vs XOVR
Schwab US Dividend Equity ETF vs ERShares Private-Public Crossover 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 | XOVR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.81% | |
| AUM | $108.7B | $1.9B | |
| Dividend Yield | 3.13% | 0.00% | |
| Holdings | 104 | 33 | |
| YTD Return | +26.54% | +2.80% | |
| 1Y Return | +30.90% | +3.22% | |
| 3Y Return (annualized) | +16.29% | +20.24% | |
| 5Y Return (annualized) | +9.65% | +5.15% | |
| Volatility (annualized) | 13.6% | 24.2% | |
| Max Drawdown | -33.4% | -56.3% | |
| Fund Family | Charles Schwab Asset Management | ERShares | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Nov 7, 2017 |
SCHD vs XOVR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and ERShares Private-Public Crossover ETF (XOVR) is a ETF from ERShares. Over the past year SCHD returned +30.90% while XOVR returned +3.22%. Year to date, SCHD is up 26.54% versus a gain of 2.80% for XOVR.
Over three years, SCHD compounded at +16.29% per year against +20.24% for XOVR; over five years the annualized figures are +9.65% and +5.15% respectively. Across the full 9-year window we track, SCHD has the edge at +11.51% annualized vs +10.58%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XOVR has been the more volatile fund, with annualized monthly volatility of 24.2% 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 -56.3% for XOVR. 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
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 3.13% against 0.00% for XOVR.
Holdings Overlap
SCHD and XOVR share 0 holdings out of 130 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 XOVR?
SCHD has an expense ratio of 0.06% while XOVR charges 1.81%. SCHD is the cheaper option. On a $10,000 investment, that is $175 per year of difference.
Which performed better, SCHD or XOVR?
Over the past year SCHD returned +30.90% vs +3.22% for XOVR, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), SCHD annualized +11.51% vs +10.58% for XOVR. Past performance does not guarantee future results.
Which is riskier, SCHD or XOVR?
XOVR has been the more volatile fund at 24.2% annualized versus 13.6% 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 combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XOVR?
SCHD and XOVR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 130 unique securities.
Which pays a higher dividend, SCHD or XOVR?
SCHD yields 3.13% while XOVR yields 0.00%, so SCHD currently pays the higher dividend yield.
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