SCHD vs XTN
Schwab US Dividend Equity ETF vs State Street SPDR S&P Transportation ETF
Quick Verdict
SCHD has a lower expense ratio. XTN delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | XTN | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $401M | |
| Dividend Yield | 3.31% | 0.64% | |
| Holdings | 104 | 45 | |
| YTD Return | +25.33% | +19.45% | |
| 1Y Return | +32.31% | +38.68% | |
| 3Y Return (annualized) | +15.40% | +10.72% | |
| 5Y Return (annualized) | +9.70% | +6.29% | |
| Volatility (annualized) | 13.6% | 23.1% | |
| Max Drawdown | -33.4% | -44.9% | |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jan 26, 2011 |
SCHD vs XTN Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and State Street SPDR S&P Transportation ETF (XTN) is a ETF from State Street Investment Management. Over the past year SCHD returned +32.31% while XTN returned +38.68%. Year to date, SCHD is up 25.33% versus a gain of 19.45% for XTN.
Over three years, SCHD compounded at +15.40% per year against +10.72% for XTN; over five years the annualized figures are +9.70% and +6.29% respectively. Across the full 15-year window we track, SCHD has the edge at +11.45% annualized vs +10.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XTN has been the more volatile fund, with annualized monthly volatility of 23.1% 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 -44.9% for XTN. 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 0.77. 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 3.31% against 0.64% for XTN.
Holdings Overlap
SCHD and XTN share 0 holdings out of 103 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 XTN?
SCHD has an expense ratio of 0.06% while XTN charges 0.35%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, SCHD or XTN?
Over the past year SCHD returned +32.31% vs +38.68% for XTN, so XTN leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.45% vs +10.16% for XTN. Past performance does not guarantee future results.
Which is riskier, SCHD or XTN?
XTN has been the more volatile fund at 23.1% annualized versus 13.6% 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 combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XTN?
SCHD and XTN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, SCHD or XTN?
SCHD yields 3.31% while XTN yields 0.64%, so SCHD currently pays the higher dividend yield.
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