SCHD vs XRLX
Schwab US Dividend Equity ETF vs FundX Conservative 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 | XRLX | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.20% | |
| AUM | $108.7B | $50M | |
| Dividend Yield | 3.13% | 2.65% | |
| Holdings | 104 | 22 | |
| YTD Return | +26.54% | +7.66% | |
| 1Y Return | +30.90% | +11.79% | |
| 3Y Return (annualized) | +16.29% | - | |
| 5Y Return (annualized) | +9.65% | - | |
| Volatility (annualized) | 13.6% | 9.1% | |
| Max Drawdown | -33.4% | -15.3% | |
| Fund Family | Charles Schwab Asset Management | Fund X | |
| Category | Equity | Allocation/Balanced | |
| Inception | Oct 20, 2011 | Oct 10, 2023 |
SCHD vs XRLX Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and FundX Conservative ETF (XRLX) is a ETF from Fund X. Over the past year SCHD returned +30.90% while XRLX returned +11.79%. Year to date, SCHD is up 26.54% versus a gain of 7.66% for XRLX.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.1% for XRLX. 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 -15.3% for XRLX. 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XRLX charges 1.20%. On a $10,000 position that is $6 vs $120 annually, a gap of $114 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 2.65% for XRLX.
Holdings Overlap
SCHD and XRLX share 0 holdings out of 120 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 XRLX?
SCHD has an expense ratio of 0.06% while XRLX charges 1.20%. SCHD is the cheaper option. On a $10,000 investment, that is $114 per year of difference.
Which performed better, SCHD or XRLX?
Over the past year SCHD returned +30.90% vs +11.79% for XRLX, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.51% vs +14.34% for XRLX. Past performance does not guarantee future results.
Which is riskier, SCHD or XRLX?
SCHD has been the more volatile fund at 13.6% annualized versus 9.1% for XRLX. Worst drawdown: SCHD -33.4% vs XRLX -15.3%.
Should I hold both SCHD and XRLX?
SCHD and XRLX have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XRLX?
SCHD and XRLX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 120 unique securities.
Which pays a higher dividend, SCHD or XRLX?
SCHD yields 3.13% while XRLX yields 2.65%, so SCHD currently pays the higher dividend yield.
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