SCHD vs XTL
Schwab US Dividend Equity ETF vs State Street SPDR S&P Telecom ETF
Which is better, SCHD or XTL?
Large Cap Value against Mid Cap Blend.
SCHD has a lower expense ratio. XTL led over 1Y, 3Y, 5Y and the full window. XTL is less concentrated, with 34.9% of the fund in its ten largest positions against 41.5%.
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 | XTL |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.35% |
| AUM | $112.2B | $598M |
| Dividend Yield | 3.13% | 1.27% |
| Holdings | 103 | 42 |
| YTD Return | +27.56% | +34.23%Best |
| 1Y Return | +30.29% | +56.23%Best |
| 3Y Return (annualized) | +16.37% | +41.40%Best |
| 5Y Return (annualized) | +10.23% | +16.73%Best |
| Volatility (annualized) | 13.6%Best | 20.0% |
| Max Drawdown | -33.4%Best | -37.0% |
| $10,000 over 5 years | $16,274 | $21,673Best |
| Top 10 Weight | 41.5% | 34.9%Best |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Blend |
| Inception | Oct 20, 2011 | Jan 26, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 4, 2026 (14.9 years).
SCHD vs XTL 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 14.9 years both funds cover.
SCHD vs XTL Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and State Street SPDR S&P Telecom ETF (XTL) is an ETF from State Street Investment Management. Over the past year SCHD returned +30.29% while XTL returned +56.23%. Year to date, SCHD is up 27.56% versus a gain of 34.23% for XTL.
Over three years, SCHD compounded at +16.37% per year against +41.40% for XTL; over five years the annualized figures are +10.23% and +16.73% respectively. Across the full 15-year window we track, XTL has the edge at +12.15% annualized vs +11.53%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XTL has been the more volatile fund, with annualized monthly volatility of 20.0% 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 -37.0% for XTL. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.66. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XTL charges 0.35%. On a $10,000 position that is $6 vs $35 annually, a gap of $29 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 1.27% for XTL.
Holdings Overlap
6.1% of SCHD's money is in holdings XTL also owns. 6.3% of XTL's money is in holdings SCHD also owns.
XTL and SCHD share little of their money.
2 positions in common, counted across the 100 positions we hold weights for in SCHD and 41 in XTL, against full books of 103 and 42.
What only one of them owns
Our book lists 38 positions for XTL that do not appear in our book for SCHD (91.7% of the fund), and 97 for SCHD that do not appear in XTL (93.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of SCHD and XTL 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 XTL?
SCHD has an expense ratio of 0.06% while XTL charges 0.35%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, SCHD or XTL?
Over the past year SCHD returned +30.29% vs +56.23% for XTL, so XTL leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.53% vs +12.15% for XTL. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XTL?
XTL has been the more volatile fund at 20.0% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XTL -37.0%.
Should I hold both SCHD and XTL?
SCHD and XTL have a monthly-return correlation of 0.66, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and XTL?
6.3% of XTL's money is in holdings SCHD also owns. 6.3% of XTL's is in holdings SCHD also owns. They hold 2 positions in common, counted across the 100 positions we hold weights for in SCHD and 41 in XTL.
Which pays a higher dividend, SCHD or XTL?
SCHD yields 3.13% while XTL yields 1.27%, so SCHD currently pays the higher dividend yield.
Is XTL better than SCHD?
SCHD has a lower expense ratio. XTL led over 1Y, 3Y, 5Y and the full window. XTL is less concentrated, with 34.9% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.