SCHD vs ZTRE
Schwab US Dividend Equity ETF vs F/m 3-Year Investment Grade Corporate Bond ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. ZTRE offers more diversification with 370 holdings.
Side-by-Side Comparison
| Metric | SCHD | ZTRE | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.15% | |
| AUM | $103.7B | $42M | |
| Dividend Yield | 3.31% | 4.57% | |
| Holdings | 104 | 444 | |
| YTD Return | +25.62% | +0.93% | |
| 1Y Return | +32.62% | +3.24% | |
| 3Y Return (annualized) | +15.58% | - | |
| 5Y Return (annualized) | +9.63% | - | |
| Volatility (annualized) | 13.6% | 2.1% | |
| Max Drawdown | -33.4% | -1.4% | |
| Fund Family | Charles Schwab Asset Management | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Jan 10, 2024 |
SCHD vs ZTRE Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and F/m 3-Year Investment Grade Corporate Bond ETF (ZTRE) is a ETF from F-m investments. Over the past year SCHD returned +32.62% while ZTRE returned +3.24%. Year to date, SCHD is up 25.62% versus a gain of 0.93% for ZTRE.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 2.1% for ZTRE. 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 -1.4% for ZTRE. 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while ZTRE 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 4.57% for ZTRE.
Holdings Overlap
SCHD and ZTRE share 0 holdings out of 470 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 ZTRE?
SCHD has an expense ratio of 0.06% while ZTRE 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 ZTRE?
Over the past year SCHD returned +32.62% vs +3.24% for ZTRE, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.47% vs +4.71% for ZTRE. Past performance does not guarantee future results.
Which is riskier, SCHD or ZTRE?
SCHD has been the more volatile fund at 13.6% annualized versus 2.1% for ZTRE. Worst drawdown: SCHD -33.4% vs ZTRE -1.4%.
Should I hold both SCHD and ZTRE?
SCHD and ZTRE have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and ZTRE?
SCHD and ZTRE share 0 common holdings with a 0.0% weight overlap. Combined, they hold 470 unique securities.
Which pays a higher dividend, SCHD or ZTRE?
SCHD yields 3.31% while ZTRE yields 4.57%, so ZTRE currently pays the higher dividend yield.
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