SCHD vs YNOT
Schwab US Dividend Equity ETF vs Horizon Digital Frontier ETF
Which is better, SCHD or YNOT?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. YNOT is less concentrated, with 39.2% of the fund in its ten largest positions against 41.8%.
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 | YNOT |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.75% |
| AUM | $112.1B | $192M |
| Dividend Yield | 3.00% | 0.00% |
| Holdings | 103 | 105 |
| YTD Return | +25.88%Best | +12.51% |
| 1Y Return | +30.22%Best | +14.34% |
| 3Y Return (annualized) | +16.05% | - |
| 5Y Return (annualized) | +10.17% | - |
| Volatility (annualized) | 12.8%Best | 23.9% |
| Max Drawdown | -4.6%Best | -17.3% |
| $10,000 over 1.2 years | $12,998Best | $12,811 |
| Top 10 Weight | 41.8% | 39.2%Best |
| Fund Family | Charles Schwab Asset Management | Horizon Funds |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jul 9, 2025 |
Volatility and max drawdown, and the $10,000 over 1.2 years row, are measured over the window both funds cover: Jul 10, 2025 to Sep 14, 2026 (1.2 years).
SCHD vs YNOT 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 1.2 years both funds cover.
SCHD vs YNOT Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Horizon Digital Frontier ETF (YNOT) is an ETF from Horizon Funds. Over the past year SCHD returned +30.22% while YNOT returned +14.34%. Year to date, SCHD is up 25.88% versus a gain of 12.51% for YNOT.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
YNOT has been the more volatile fund, with annualized monthly volatility of 23.9% compared with 12.8% 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 -4.6% for SCHD and -17.3% for YNOT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.07. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while YNOT charges 0.75%. On a $10,000 position that is $6 vs $75 annually, a gap of $69 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.00% for YNOT.
Holdings Overlap
2.5% of SCHD's money is in holdings YNOT also owns. 0.6% of YNOT's money is in holdings SCHD also owns.
SCHD and YNOT share little of their money.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 106 in YNOT, against full books of 103 and 105.
What only one of them owns
Our book lists 88 positions for YNOT that do not appear in our book for SCHD (90.9% of the fund), and 98 for SCHD that do not appear in YNOT (97.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in YNOT | Difference |
|---|---|---|---|
| QCOMQualcomm Inc. | 2.52% | 0.55% | 1.97% |
You are not choosing between two funds in isolation.
Whichever of SCHD and YNOT 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 YNOT?
SCHD has an expense ratio of 0.06% while YNOT charges 0.75%. SCHD is the cheaper option, by $69 a year on a $10,000 investment.
Which performed better, SCHD or YNOT?
Over the past year SCHD returned +30.22% vs +14.34% for YNOT, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +24.42% vs +22.93% for YNOT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or YNOT?
YNOT has been the more volatile fund at 23.9% annualized versus 12.8% for SCHD. Worst drawdown: SCHD -4.6% vs YNOT -17.3%.
Should I hold both SCHD and YNOT?
SCHD and YNOT have a monthly-return correlation of 0.07, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and YNOT?
2.5% of SCHD's money is in holdings YNOT also owns. 0.6% of YNOT's is in holdings SCHD also owns. They hold 1 positions in common, counted across the 100 positions we hold weights for in SCHD and 106 in YNOT.
Which pays a higher dividend, SCHD or YNOT?
SCHD yields 3.00% while YNOT yields 0.00%, so SCHD currently pays the higher dividend yield.
Is YNOT better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. YNOT is less concentrated, with 39.2% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.