SCHD vs XTR
Schwab US Dividend Equity ETF vs Global X S&P 500 Tail Risk ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XTR offers more diversification with 506 holdings.
Side-by-Side Comparison
| Metric | SCHD | XTR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.25% | |
| AUM | $108.7B | $5M | |
| Dividend Yield | 3.13% | 16.58% | |
| Holdings | 104 | 506 | |
| YTD Return | +28.70% | +9.91% | |
| 1Y Return | +32.27% | +17.23% | |
| 3Y Return (annualized) | +17.27% | +18.09% | |
| 5Y Return (annualized) | +10.23% | +9.65% | |
| Volatility (annualized) | 13.7% | 13.8% | |
| Max Drawdown | -33.4% | -20.8% | |
| Fund Family | Charles Schwab Asset Management | Global X by mirae Asset | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Aug 25, 2021 |
SCHD vs XTR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Global X S&P 500 Tail Risk ETF (XTR) is a ETF from Global X by mirae Asset. Over the past year SCHD returned +32.27% while XTR returned +17.23%. Year to date, SCHD is up 28.70% versus a gain of 9.91% for XTR.
Over three years, SCHD compounded at +17.27% per year against +18.09% for XTR; over five years the annualized figures are +10.23% and +9.65% respectively. Across the full 5-year window we track, SCHD has the edge at +11.63% annualized vs +9.65%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XTR has been the more volatile fund, with annualized monthly volatility of 13.8% 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 -20.8% for XTR. 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XTR charges 0.25%. On a $10,000 position that is $6 vs $25 annually, a gap of $19 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 16.58% for XTR.
Holdings Overlap
SCHD and XTR share 40 holdings out of 526 unique holdings combined, representing a 10.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or XTR?
SCHD has an expense ratio of 0.06% while XTR charges 0.25%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, SCHD or XTR?
Over the past year SCHD returned +32.27% vs +17.23% for XTR, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.63% vs +9.65% for XTR. Past performance does not guarantee future results.
Which is riskier, SCHD or XTR?
XTR has been the more volatile fund at 13.8% annualized versus 13.7% for SCHD. Worst drawdown: SCHD -33.4% vs XTR -20.8%.
Should I hold both SCHD and XTR?
SCHD and XTR have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XTR?
SCHD and XTR share 40 common holdings with a 10.9% weight overlap. Combined, they hold 526 unique securities.
Which pays a higher dividend, SCHD or XTR?
SCHD yields 3.13% while XTR yields 16.58%, so XTR currently pays the higher dividend yield.
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