SCHD vs YQQQ
Schwab US Dividend Equity ETF vs YieldMax Short N100 Option Income Strategy ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | YQQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.11% | |
| AUM | $108.7B | $15M | |
| Dividend Yield | 3.13% | 28.84% | |
| Holdings | 104 | 27 | |
| YTD Return | +26.54% | -6.97% | |
| 1Y Return | +30.90% | -6.73% | |
| 3Y Return (annualized) | +16.29% | - | |
| 5Y Return (annualized) | +9.65% | - | |
| Volatility (annualized) | 13.6% | 15.7% | |
| Max Drawdown | -33.4% | -29.1% | |
| Fund Family | Charles Schwab Asset Management | YieldMax ETF | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Aug 14, 2024 |
SCHD vs YQQQ Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and YieldMax Short N100 Option Income Strategy ETF (YQQQ) is a ETF from YieldMax ETF. Over the past year SCHD returned +30.90% while YQQQ returned -6.73%. Year to date, SCHD is up 26.54% versus a loss of 6.97% for YQQQ.
Risk: Volatility and Drawdowns
YQQQ has been the more volatile fund, with annualized monthly volatility of 15.7% 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 -29.1% for YQQQ. 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 0.03. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while YQQQ charges 1.11%. On a $10,000 position that is $6 vs $111 annually, a gap of $105 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 28.84% for YQQQ.
Holdings Overlap
SCHD and YQQQ share 0 holdings out of 103 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 YQQQ?
SCHD has an expense ratio of 0.06% while YQQQ charges 1.11%. SCHD is the cheaper option. On a $10,000 investment, that is $105 per year of difference.
Which performed better, SCHD or YQQQ?
Over the past year SCHD returned +30.90% vs -6.73% for YQQQ, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.51% vs -10.11% for YQQQ. Past performance does not guarantee future results.
Which is riskier, SCHD or YQQQ?
YQQQ has been the more volatile fund at 15.7% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs YQQQ -29.1%.
Should I hold both SCHD and YQQQ?
SCHD and YQQQ have a monthly-return correlation of 0.03, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and YQQQ?
SCHD and YQQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, SCHD or YQQQ?
SCHD yields 3.13% while YQQQ yields 28.84%, so YQQQ currently pays the higher dividend yield.
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