SCHD vs ZTEN
Schwab US Dividend Equity ETF vs F/m 10-Year Investment Grade Corporate Bond 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 | ZTEN | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.15% | |
| AUM | $103.7B | $30M | |
| Dividend Yield | 3.31% | 5.48% | |
| Holdings | 104 | 225 | |
| YTD Return | +26.21% | -0.01% | |
| 1Y Return | +29.99% | +2.77% | |
| 3Y Return (annualized) | +15.73% | - | |
| 5Y Return (annualized) | +9.67% | - | |
| Volatility (annualized) | 13.6% | 5.3% | |
| Max Drawdown | -33.4% | -5.4% | |
| Fund Family | Charles Schwab Asset Management | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Jan 10, 2024 |
SCHD vs ZTEN Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and F/m 10-Year Investment Grade Corporate Bond ETF (ZTEN) is a ETF from F-m investments. Over the past year SCHD returned +29.99% while ZTEN returned +2.77%. Year to date, SCHD is up 26.21% versus a loss of 0.01% for ZTEN.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 5.3% for ZTEN. 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 -5.4% for ZTEN. 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while ZTEN charges 0.15%. On a $10,000 position that is $6 vs $15 annually, a gap of $9 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.48% for ZTEN.
Holdings Overlap
SCHD and ZTEN share 0 holdings out of 149 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 ZTEN?
SCHD has an expense ratio of 0.06% while ZTEN charges 0.15%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, SCHD or ZTEN?
Over the past year SCHD returned +29.99% vs +2.77% for ZTEN, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.50% vs +4.74% for ZTEN. Past performance does not guarantee future results.
Which is riskier, SCHD or ZTEN?
SCHD has been the more volatile fund at 13.6% annualized versus 5.3% for ZTEN. Worst drawdown: SCHD -33.4% vs ZTEN -5.4%.
Should I hold both SCHD and ZTEN?
SCHD and ZTEN have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and ZTEN?
SCHD and ZTEN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 149 unique securities.
Which pays a higher dividend, SCHD or ZTEN?
SCHD yields 3.31% while ZTEN yields 5.48%, so ZTEN currently pays the higher dividend yield.
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