SCHD vs YYY
Schwab US Dividend Equity ETF vs Amplify CEF High Income 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 | YYY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 3.23% | |
| AUM | $103.7B | $727M | |
| Dividend Yield | 3.31% | 13.54% | |
| Holdings | 104 | 62 | |
| YTD Return | +25.33% | +6.61% | |
| 1Y Return | +32.31% | +10.87% | |
| 3Y Return (annualized) | +15.40% | +11.55% | |
| 5Y Return (annualized) | +9.70% | +3.20% | |
| Volatility (annualized) | 13.6% | 13.6% | |
| Max Drawdown | -33.4% | -58.8% | |
| Fund Family | Charles Schwab Asset Management | Amplify ETFs | |
| Category | Equity | Allocation/Balanced | |
| Inception | Oct 20, 2011 | Jun 12, 2012 |
SCHD vs YYY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Amplify CEF High Income ETF (YYY) is a ETF from Amplify ETFs. Over the past year SCHD returned +32.31% while YYY returned +10.87%. Year to date, SCHD is up 25.33% versus a gain of 6.61% for YYY.
Over three years, SCHD compounded at +15.40% per year against +11.55% for YYY; over five years the annualized figures are +9.70% and +3.20% respectively. Across the full 14-year window we track, SCHD has the edge at +11.45% annualized vs +0.41%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.6% for YYY. 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 -58.8% for YYY. 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while YYY charges 3.23%. On a $10,000 position that is $6 vs $323 annually, a gap of $317 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 13.54% for YYY.
Holdings Overlap
SCHD and YYY share 0 holdings out of 161 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 YYY?
SCHD has an expense ratio of 0.06% while YYY charges 3.23%. SCHD is the cheaper option. On a $10,000 investment, that is $317 per year of difference.
Which performed better, SCHD or YYY?
Over the past year SCHD returned +32.31% vs +10.87% for YYY, so SCHD leads on 1-year performance. Over the longest common window we track (14 years), SCHD annualized +11.45% vs +0.41% for YYY. Past performance does not guarantee future results.
Which is riskier, SCHD or YYY?
SCHD has been the more volatile fund at 13.6% annualized versus 13.6% for YYY. Worst drawdown: SCHD -33.4% vs YYY -58.8%.
Should I hold both SCHD and YYY?
SCHD and YYY have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and YYY?
SCHD and YYY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 161 unique securities.
Which pays a higher dividend, SCHD or YYY?
SCHD yields 3.31% while YYY yields 13.54%, so YYY currently pays the higher dividend yield.
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