SCHD vs XUSP
Schwab US Dividend Equity ETF vs Innovator Uncapped Accelerated US Equity ETF
Which is better, SCHD or XUSP?
Large Cap Value against Option Writing.
SCHD has a lower expense ratio. SCHD led over 1Y, XUSP over 3Y and the full window.
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 | XUSP |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.79% |
| AUM | $112.1B | $52M |
| Dividend Yield | 3.00% | 0.00% |
| Holdings | 103 | 28 |
| YTD Return | +23.46%Best | +12.55% |
| 1Y Return | +27.20%Best | +16.39% |
| 3Y Return (annualized) | +15.41% | +23.81%Best |
| 5Y Return (annualized) | +10.16% | - |
| Volatility (annualized) | 14.7%Best | 17.8% |
| Max Drawdown | -16.1%Best | -22.6% |
| $10,000 over 4.1 years | $15,363 | $19,931Best |
| Fund Family | Charles Schwab Asset Management | Innovator ETFs Trust |
| Category | Equity | Alternative |
| Style | Large Cap Value | Option Writing |
| Inception | Oct 20, 2011 | Aug 10, 2022 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.1 years row, are measured over the window both funds cover: Aug 11, 2022 to Sep 18, 2026 (4.1 years).
SCHD vs XUSP 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 4.1 years both funds cover.
SCHD vs XUSP Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Innovator Uncapped Accelerated US Equity ETF (XUSP) is an ETF from Innovator ETFs Trust. Over the past year SCHD returned +27.20% while XUSP returned +16.39%. Year to date, SCHD is up 23.46% versus a gain of 12.55% for XUSP.
Over three years, SCHD compounded at +15.41% per year against +23.81% for XUSP. Across the full 4-year window we track, XUSP has the edge at +18.32% annualized vs +11.04%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XUSP has been the more volatile fund, with annualized monthly volatility of 17.8% compared with 14.7% 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 -16.1% for SCHD and -22.6% for XUSP. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.64. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XUSP charges 0.79%. On a $10,000 position that is $6 vs $79 annually, a gap of $73 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.00% for XUSP.
You are not choosing between two funds in isolation.
Whichever of SCHD and XUSP 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 XUSP?
SCHD has an expense ratio of 0.06% while XUSP charges 0.79%. SCHD is the cheaper option, by $73 a year on a $10,000 investment.
Which performed better, SCHD or XUSP?
Over the past year SCHD returned +27.20% vs +16.39% for XUSP, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.04% vs +18.32% for XUSP. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XUSP?
XUSP has been the more volatile fund at 17.8% annualized versus 14.7% for SCHD. Worst drawdown: SCHD -16.1% vs XUSP -22.6%.
Should I hold both SCHD and XUSP?
SCHD and XUSP have a monthly-return correlation of 0.64, 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 XUSP?
SCHD yields 3.00% while XUSP yields 0.00%, so SCHD currently pays the higher dividend yield.
Is XUSP better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, XUSP over 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.