SCHD vs XRPZ
Schwab US Dividend Equity ETF vs Franklin XRP ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | XRPZ | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.19% | |
| AUM | $108.7B | $242M | |
| Dividend Yield | 3.13% | 0.00% | |
| Holdings | 104 | 2 | |
| YTD Return | +28.70% | -30.72% | |
| 1Y Return | +32.27% | - | |
| 3Y Return (annualized) | +17.27% | - | |
| 5Y Return (annualized) | +10.23% | - | |
| Volatility (annualized) | 13.7% | - | |
| Max Drawdown | -33.4% | -56.9% | |
| Fund Family | Charles Schwab Asset Management | Franklin Templeton Investments (US) | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Nov 24, 2025 |
SCHD vs XRPZ Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Franklin XRP ETF (XRPZ) is a ETF from Franklin Templeton Investments (US). Year to date, SCHD is up 28.70% versus a loss of 30.72% for XRPZ.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -56.9% for XRPZ. 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 XRPZ charges 0.19%. On a $10,000 position that is $6 vs $19 annually, a gap of $13 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.00% for XRPZ.
Frequently Asked Questions
Which is cheaper, SCHD or XRPZ?
SCHD has an expense ratio of 0.06% while XRPZ charges 0.19%. SCHD is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which pays a higher dividend, SCHD or XRPZ?
SCHD yields 3.13% while XRPZ yields 0.00%, so SCHD currently pays the higher dividend yield.
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