SCHD vs XYZY
Schwab US Dividend Equity ETF vs YieldMax XYZ Option Income Strategy 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 | XYZY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.44% | |
| AUM | $103.7B | $47M | |
| Dividend Yield | 3.31% | 102.41% | |
| Holdings | 104 | 12 | |
| YTD Return | +25.58% | +9.97% | |
| 1Y Return | +31.06% | -3.82% | |
| 3Y Return (annualized) | +15.55% | - | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | 41.9% | |
| Max Drawdown | -33.4% | -52.3% | |
| Fund Family | Charles Schwab Asset Management | YieldMax ETF | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Oct 10, 2023 |
SCHD vs XYZY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and YieldMax XYZ Option Income Strategy ETF (XYZY) is a ETF from YieldMax ETF. Over the past year SCHD returned +31.06% while XYZY returned -3.82%. Year to date, SCHD is up 25.58% versus a gain of 9.97% for XYZY.
Risk: Volatility and Drawdowns
XYZY has been the more volatile fund, with annualized monthly volatility of 41.9% 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 -52.3% for XYZY. 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 0.29. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XYZY charges 1.44%. On a $10,000 position that is $6 vs $144 annually, a gap of $138 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 102.41% for XYZY.
Holdings Overlap
SCHD and XYZY share 0 holdings out of 101 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 XYZY?
SCHD has an expense ratio of 0.06% while XYZY charges 1.44%. SCHD is the cheaper option. On a $10,000 investment, that is $138 per year of difference.
Which performed better, SCHD or XYZY?
Over the past year SCHD returned +31.06% vs -3.82% for XYZY, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.46% vs +11.48% for XYZY. Past performance does not guarantee future results.
Which is riskier, SCHD or XYZY?
XYZY has been the more volatile fund at 41.9% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XYZY -52.3%.
Should I hold both SCHD and XYZY?
SCHD and XYZY have a monthly-return correlation of 0.29, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XYZY?
SCHD and XYZY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or XYZY?
SCHD yields 3.31% while XYZY yields 102.41%, so XYZY currently pays the higher dividend yield.
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