SCHD vs YINN
Schwab US Dividend Equity ETF vs Direxion Daily FTSE China Bull 3X 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 | YINN | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.34% | |
| AUM | $103.7B | $696M | |
| Dividend Yield | 3.31% | 1.76% | |
| Holdings | 104 | 13 | |
| YTD Return | +25.62% | -36.35% | |
| 1Y Return | +32.62% | -27.58% | |
| 3Y Return (annualized) | +15.58% | -2.56% | |
| 5Y Return (annualized) | +9.63% | -34.28% | |
| Volatility (annualized) | 13.6% | 71.5% | |
| Max Drawdown | -33.4% | -98.9% | |
| Fund Family | Charles Schwab Asset Management | Direxion Shares ETF Trust | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Dec 3, 2009 |
SCHD vs YINN Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Direxion Daily FTSE China Bull 3X ETF (YINN) is a ETF from Direxion Shares ETF Trust. Over the past year SCHD returned +32.62% while YINN returned -27.58%. Year to date, SCHD is up 25.62% versus a loss of 36.35% for YINN.
Over three years, SCHD compounded at +15.58% per year against -2.56% for YINN; over five years the annualized figures are +9.63% and -34.28% respectively. Across the full 15-year window we track, SCHD has the edge at +11.47% annualized vs -17.46%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
YINN has been the more volatile fund, with annualized monthly volatility of 71.5% 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 -98.9% for YINN. 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while YINN charges 1.34%. On a $10,000 position that is $6 vs $134 annually, a gap of $128 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 1.76% for YINN.
Holdings Overlap
SCHD and YINN share 0 holdings out of 105 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 YINN?
SCHD has an expense ratio of 0.06% while YINN charges 1.34%. SCHD is the cheaper option. On a $10,000 investment, that is $128 per year of difference.
Which performed better, SCHD or YINN?
Over the past year SCHD returned +32.62% vs -27.58% for YINN, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.47% vs -17.46% for YINN. Past performance does not guarantee future results.
Which is riskier, SCHD or YINN?
YINN has been the more volatile fund at 71.5% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs YINN -98.9%.
Should I hold both SCHD and YINN?
SCHD and YINN have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and YINN?
SCHD and YINN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 105 unique securities.
Which pays a higher dividend, SCHD or YINN?
SCHD yields 3.31% while YINN yields 1.76%, so SCHD currently pays the higher dividend yield.
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