SCHD vs XTN
Schwab US Dividend Equity ETF vs State Street SPDR S&P Transportation ETF
Which is better, SCHD or XTN?
Large Cap Value against Mid Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. XTN is less concentrated, with 30.2% of the fund in its ten largest positions against 41.8%.
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 | XTN |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.35% |
| AUM | $112.1B | $348M |
| Dividend Yield | 3.00% | 0.70% |
| Holdings | 103 | 44 |
| YTD Return | +21.99%Best | +8.04% |
| 1Y Return | +25.92%Best | +17.66% |
| 3Y Return (annualized) | +15.66%Best | +10.74% |
| 5Y Return (annualized) | +9.48%Best | +3.46% |
| Volatility (annualized) | 13.7%Best | 22.7% |
| Max Drawdown | -33.4%Best | -44.9% |
| $10,000 over 5 years | $15,728Best | $11,854 |
| Top 10 Weight | 41.8% | 30.2%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 23, 2026 (14.9 years).
SCHD vs XTN 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 XTN Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and State Street SPDR S&P Transportation ETF (XTN) is an ETF from State Street Investment Management. Over the past year SCHD returned +25.92% while XTN returned +17.66%. Year to date, SCHD is up 21.99% versus a gain of 8.04% for XTN.
Over three years, SCHD compounded at +15.66% per year against +10.74% for XTN; over five years the annualized figures are +9.48% and +3.46% respectively. Across the full 15-year window we track, SCHD has the edge at +11.15% annualized vs +11.10%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XTN has been the more volatile fund, with annualized monthly volatility of 22.7% compared with 13.7% 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 -44.9% for XTN. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while XTN 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 3.00% against 0.70% for XTN.
Holdings Overlap
1.9% of SCHD's money is in holdings XTN also owns. 2.7% of XTN's money is in holdings SCHD also owns.
XTN and SCHD share little of their money.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 44 in XTN, against full books of 103 and 44.
What only one of them owns
Measured across the 100 and 44 positions we hold weights for.
SCHD holds 98 positions XTN does not, 98.0% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
Top Shared Holdings
| Stock | Weight in SCHD | Weight in XTN | Difference |
|---|---|---|---|
| UPSUnited Parcel Service, Inc | 1.90% | 2.71% | 0.81% |
You are not choosing between two funds in isolation.
Whichever of SCHD and XTN 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 XTN?
SCHD has an expense ratio of 0.06% while XTN charges 0.35%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, SCHD or XTN?
Over the past year SCHD returned +25.92% vs +17.66% for XTN, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.15% vs +11.10% for XTN. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XTN?
XTN has been the more volatile fund at 22.7% annualized versus 13.7% for SCHD. Worst drawdown: SCHD -33.4% vs XTN -44.9%.
Should I hold both SCHD and XTN?
SCHD and XTN have a monthly-return correlation of 0.77, 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 XTN?
2.7% of XTN's money is in holdings SCHD also owns. 2.7% of XTN's is in holdings SCHD also owns. They hold 1 positions in common, counted across the 100 positions we hold weights for in SCHD and 44 in XTN.
Which pays a higher dividend, SCHD or XTN?
SCHD yields 3.00% while XTN yields 0.70%, so SCHD currently pays the higher dividend yield.
Is XTN better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. XTN is less concentrated, with 30.2% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.