SCHD vs XYZY
Schwab US Dividend Equity ETF vs YieldMax XYZ Option Income Strategy ETF
Which is better, SCHD or XYZY?
Large Cap Value against Option Writing.
SCHD has a lower expense ratio. SCHD led over 1Y, 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 | XYZY |
|---|---|---|
| Expense Ratio | 0.06%Best | 1.36% |
| AUM | $112.1B | $34M |
| Dividend Yield | 3.00% | 75.65% |
| Holdings | 103 | 12 |
| YTD Return | +25.07%Best | +8.60% |
| 1Y Return | +27.61%Best | -4.10% |
| 3Y Return (annualized) | +15.74%Best | +10.66% |
| 5Y Return (annualized) | +9.89% | - |
| Volatility (annualized) | 13.0%Best | 41.4% |
| Max Drawdown | -16.1%Best | -52.3% |
| $10,000 over 2.9 years | $15,943Best | $13,414 |
| Fund Family | Charles Schwab Asset Management | YieldMax ETF |
| Category | Equity | Alternative |
| Style | Large Cap Value | Option Writing |
| Inception | Oct 20, 2011 | Oct 10, 2023 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Oct 11, 2023 to Sep 11, 2026 (2.9 years).
SCHD vs XYZY 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 2.9 years both funds cover.
SCHD vs XYZY Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and YieldMax XYZ Option Income Strategy ETF (XYZY) is an ETF from YieldMax ETF. Over the past year SCHD returned +27.61% while XYZY returned -4.10%. Year to date, SCHD is up 25.07% versus a gain of 8.60% for XYZY.
Over three years, SCHD compounded at +15.74% per year against +10.66% for XYZY.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XYZY has been the more volatile fund, with annualized monthly volatility of 41.4% compared with 13.0% 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 -52.3% for XYZY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.30. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XYZY charges 1.36%. On a $10,000 position that is $6 vs $136 annually, a gap of $130 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 75.65% for XYZY.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 2 in XYZY, totalling 100.0% and 26.4% 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 2 in XYZY, against full books of 103 and 12.
You are not choosing between two funds in isolation.
Whichever of SCHD and XYZY 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 XYZY?
SCHD has an expense ratio of 0.06% while XYZY charges 1.36%. SCHD is the cheaper option, by $130 a year on a $10,000 investment.
Which performed better, SCHD or XYZY?
Over the past year SCHD returned +27.61% vs -4.10% for XYZY, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XYZY?
XYZY has been the more volatile fund at 41.4% annualized versus 13.0% for SCHD. Worst drawdown: SCHD -16.1% vs XYZY -52.3%.
Should I hold both SCHD and XYZY?
SCHD and XYZY have a monthly-return correlation of 0.30, 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 XYZY?
SCHD yields 3.00% while XYZY yields 75.65%, so XYZY currently pays the higher dividend yield.
Is XYZY better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.