SCHD vs XTWY
Schwab US Dividend Equity ETF vs BondBloxx Bloomberg Twenty Year Target Duration US Treasury ETF
Which is better, SCHD or XTWY?
Large Cap Value against Long Term High Quality.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 54.3%.
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 | XTWY |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.13% |
| AUM | $112.1B | $249M |
| Dividend Yield | 3.00% | 4.87% |
| Holdings | 103 | 57 |
| YTD Return | +21.99%Best | -5.72% |
| 1Y Return | +25.92%Best | -7.31% |
| 3Y Return (annualized) | +15.66%Best | -0.33% |
| 5Y Return (annualized) | +9.48% | - |
| Volatility (annualized) | 14.4%Best | 16.7% |
| Max Drawdown | -16.1%Best | -25.9% |
| $10,000 over 4 years | $16,195Best | $8,231 |
| Top 10 Weight | 41.8%Best | 54.3% |
| Fund Family | Charles Schwab Asset Management | BondBloxx |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Long Term High Quality |
| Inception | Oct 20, 2011 | Sep 13, 2022 |
Volatility and max drawdown, and the $10,000 over 4 years row, are measured over the window both funds cover: Sep 16, 2022 to Sep 23, 2026 (4 years).
SCHD vs XTWY 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 4 years both funds cover.
SCHD vs XTWY Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and BondBloxx Bloomberg Twenty Year Target Duration US Treasury ETF (XTWY) is an ETF from BondBloxx. Over the past year SCHD returned +25.92% while XTWY returned -7.31%. Year to date, SCHD is up 21.99% versus a loss of 5.72% for XTWY.
Over three years, SCHD compounded at +15.66% per year against -0.33% for XTWY. Across the full 4-year window we track, SCHD has the edge at +12.81% annualized vs -4.75%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XTWY has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 14.4% 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 -16.1% for SCHD and -25.9% for XTWY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.43. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XTWY charges 0.13%. On a $10,000 position that is $6 vs $13 annually, a gap of $7 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 4.87% for XTWY.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 49 in XTWY, totalling 100.0% and 97.7% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 49 in XTWY, against full books of 103 and 57.
What only one of them owns
Our book lists 49 positions for XTWY that do not appear in our book for SCHD (97.7% of the fund), and 99 for SCHD that do not appear in XTWY (99.9%).
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 XTWY 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 XTWY?
SCHD has an expense ratio of 0.06% while XTWY charges 0.13%. SCHD is the cheaper option, by $7 a year on a $10,000 investment.
Which performed better, SCHD or XTWY?
Over the past year SCHD returned +25.92% vs -7.31% for XTWY, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +12.81% vs -4.75% for XTWY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XTWY?
XTWY has been the more volatile fund at 16.7% annualized versus 14.4% for SCHD. Worst drawdown: SCHD -16.1% vs XTWY -25.9%.
Should I hold both SCHD and XTWY?
SCHD and XTWY have a monthly-return correlation of 0.43, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or XTWY?
SCHD yields 3.00% while XTWY yields 4.87%, so XTWY currently pays the higher dividend yield.
Is XTWY better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 54.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.