SCHD vs XTWY
Schwab US Dividend Equity ETF vs BondBloxx Bloomberg Twenty Year Target Duration US Treasury ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | XTWY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.13% | |
| AUM | $103.7B | $255M | |
| Dividend Yield | 3.31% | 4.72% | |
| Holdings | 104 | 56 | |
| YTD Return | +24.26% | -3.82% | |
| 1Y Return | +31.38% | -3.12% | |
| 3Y Return (annualized) | +15.08% | -2.64% | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 16.9% | |
| Max Drawdown | -33.4% | -25.9% | |
| Fund Family | Charles Schwab Asset Management | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Sep 13, 2022 |
SCHD vs XTWY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and BondBloxx Bloomberg Twenty Year Target Duration US Treasury ETF (XTWY) is a ETF from BondBloxx. Over the past year SCHD returned +31.38% while XTWY returned -3.12%. Year to date, SCHD is up 24.26% versus a loss of 3.82% for XTWY.
Over three years, SCHD compounded at +15.08% per year against -2.64% for XTWY. Across the full 4-year window we track, SCHD has the edge at +11.39% annualized vs -4.42%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XTWY has been the more volatile fund, with annualized monthly volatility of 16.9% 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 -25.9% for XTWY. 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 0.43. They move independently enough that combining them can meaningfully diversify a portfolio.
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 3.31% against 4.72% for XTWY.
Holdings Overlap
SCHD and XTWY share 0 holdings out of 152 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 XTWY?
SCHD has an expense ratio of 0.06% while XTWY charges 0.13%. SCHD is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, SCHD or XTWY?
Over the past year SCHD returned +31.38% vs -3.12% for XTWY, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.39% vs -4.42% for XTWY. Past performance does not guarantee future results.
Which is riskier, SCHD or XTWY?
XTWY has been the more volatile fund at 16.9% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XTWY -25.9%.
Should I hold both SCHD and XTWY?
SCHD and XTWY have a monthly-return correlation of 0.43, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XTWY?
SCHD and XTWY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 152 unique securities.
Which pays a higher dividend, SCHD or XTWY?
SCHD yields 3.31% while XTWY yields 4.72%, so XTWY currently pays the higher dividend yield.
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