SCHD vs XYLG
Schwab US Dividend Equity ETF vs Global X S&P 500 Covered Call & Growth ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XYLG offers more diversification with 506 holdings.
Side-by-Side Comparison
| Metric | SCHD | XYLG | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $64M | |
| Dividend Yield | 3.31% | 13.04% | |
| Holdings | 104 | 506 | |
| YTD Return | +26.21% | +11.70% | |
| 1Y Return | +29.99% | +20.26% | |
| 3Y Return (annualized) | +15.73% | +16.74% | |
| 5Y Return (annualized) | +9.67% | +10.47% | |
| Volatility (annualized) | 13.6% | 12.1% | |
| Max Drawdown | -33.4% | -21.3% | |
| Fund Family | Charles Schwab Asset Management | Global X by mirae Asset | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Sep 18, 2020 |
SCHD vs XYLG Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Global X S&P 500 Covered Call & Growth ETF (XYLG) is a ETF from Global X by mirae Asset. Over the past year SCHD returned +29.99% while XYLG returned +20.26%. Year to date, SCHD is up 26.21% versus a gain of 11.70% for XYLG.
Over three years, SCHD compounded at +15.73% per year against +16.74% for XYLG; over five years the annualized figures are +9.67% and +10.47% respectively. Across the full 6-year window we track, XYLG has the edge at +13.36% annualized vs +11.50%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.1% for XYLG. 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 -21.3% for XYLG. 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while XYLG 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 13.04% for XYLG.
Holdings Overlap
SCHD and XYLG share 41 holdings out of 520 unique holdings combined, representing a 13.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or XYLG?
SCHD has an expense ratio of 0.06% while XYLG 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 XYLG?
Over the past year SCHD returned +29.99% vs +20.26% for XYLG, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +11.50% vs +13.36% for XYLG. Past performance does not guarantee future results.
Which is riskier, SCHD or XYLG?
SCHD has been the more volatile fund at 13.6% annualized versus 12.1% for XYLG. Worst drawdown: SCHD -33.4% vs XYLG -21.3%.
Should I hold both SCHD and XYLG?
SCHD and XYLG have a monthly-return correlation of 0.73, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XYLG?
SCHD and XYLG share 41 common holdings with a 13.3% weight overlap. Combined, they hold 520 unique securities.
Which pays a higher dividend, SCHD or XYLG?
SCHD yields 3.31% while XYLG yields 13.04%, so XYLG currently pays the higher dividend yield.
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