SCHD vs XRP
Schwab US Dividend Equity ETF vs Bitwise XRP ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | XRP | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.34% | |
| AUM | $103.7B | $314M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 1 | |
| YTD Return | +25.58% | -49.32% | |
| 1Y Return | +31.06% | - | |
| 3Y Return (annualized) | +15.55% | - | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Bitwise | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Nov 19, 2025 |
SCHD vs XRP Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Bitwise XRP ETF (XRP) is a ETF from Bitwise. Year to date, SCHD is up 25.58% versus a loss of 49.32% for XRP.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -56.6% for XRP. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while XRP charges 0.34%. On a $10,000 position that is $6 vs $34 annually, a gap of $28 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.00% for XRP.
Frequently Asked Questions
Which is cheaper, SCHD or XRP?
SCHD has an expense ratio of 0.06% while XRP charges 0.34%. SCHD is the cheaper option. On a $10,000 investment, that is $28 per year of difference.
Which pays a higher dividend, SCHD or XRP?
SCHD yields 3.31% while XRP yields 0.00%, so SCHD currently pays the higher dividend yield.
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