AGZD vs SCHD
AGZD vs SCHD
WisdomTree Interest Rate Hedged US Aggregate Bond Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. AGZD offers more diversification with 1254 holdings.
Side-by-Side Comparison
| Metric | AGZD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.23% | 0.06% | |
| AUM | $133M | $103.7B | |
| Dividend Yield | 4.00% | 3.31% | |
| Holdings | 1,368 | 104 | |
| YTD Return | +2.95% | +22.69% | |
| 1Y Return | +5.42% | +30.94% | |
| 3Y Return (annualized) | +5.64% | +14.20% | |
| 5Y Return (annualized) | +4.43% | +9.59% | |
| Volatility (annualized) | 2.1% | 13.7% | |
| Max Drawdown | -13.1% | -33.4% | |
| Fund Family | WisdomTree Investments | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 18, 2013 | Oct 20, 2011 |
AGZD vs SCHD Performance
WisdomTree Interest Rate Hedged US Aggregate Bond Fund (AGZD) is a ETF from WisdomTree Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year AGZD returned +5.42% while SCHD returned +30.94%. Year to date, AGZD is up 2.95% versus a gain of 22.69% for SCHD.
Over three years, AGZD compounded at +5.64% per year against +14.20% for SCHD; over five years the annualized figures are +4.43% and +9.59% respectively. Across the full 13-year window we track, SCHD has the edge at +11.31% annualized vs +1.26%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 2.1% for AGZD. 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 -13.1% for AGZD and -33.4% for SCHD. 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AGZD charges 0.23% per year while SCHD charges 0.06%. On a $10,000 position that is $23 vs $6 annually, a gap of $17 per year that compounds over a long holding period. On income, AGZD currently yields 4.00% against 3.31% for SCHD.
Holdings Overlap
AGZD and SCHD share 0 holdings out of 1354 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, AGZD or SCHD?
AGZD has an expense ratio of 0.23% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, AGZD or SCHD?
Over the past year AGZD returned +5.42% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), AGZD annualized +1.26% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, AGZD or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 2.1% for AGZD. Worst drawdown: AGZD -13.1% vs SCHD -33.4%.
Should I hold both AGZD and SCHD?
AGZD and SCHD have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AGZD and SCHD?
AGZD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1354 unique securities.
Which pays a higher dividend, AGZD or SCHD?
AGZD yields 4.00% while SCHD yields 3.31%, so AGZD currently pays the higher dividend yield.
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