DTD vs SCHD
DTD vs SCHD
WisdomTree US Total Dividend Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. DTD offers more diversification with 676 holdings.
Side-by-Side Comparison
| Metric | DTD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.28% | 0.06% | |
| AUM | $1.7B | $103.7B | |
| Dividend Yield | 1.85% | 3.31% | |
| Holdings | 801 | 104 | |
| YTD Return | +14.64% | +23.31% | |
| 1Y Return | +22.55% | +30.42% | |
| 3Y Return (annualized) | +17.59% | +14.66% | |
| 5Y Return (annualized) | +12.40% | +9.59% | |
| Volatility (annualized) | 14.7% | 13.6% | |
| Max Drawdown | -60.2% | -33.4% | |
| Fund Family | WisdomTree Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 16, 2006 | Oct 20, 2011 |
DTD vs SCHD Performance
WisdomTree US Total Dividend Fund (DTD) 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 DTD returned +22.55% while SCHD returned +30.42%. Year to date, DTD is up 14.64% versus a gain of 23.31% for SCHD.
Over three years, DTD compounded at +17.59% per year against +14.66% for SCHD; over five years the annualized figures are +12.40% and +9.59% respectively. Across the full 15-year window we track, SCHD has the edge at +11.34% annualized vs +7.57%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DTD has been the more volatile fund, with annualized monthly volatility of 14.7% 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 -60.2% for DTD 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
DTD charges 0.28% per year while SCHD charges 0.06%. On a $10,000 position that is $28 vs $6 annually, a gap of $22 per year that compounds over a long holding period. On income, DTD currently yields 1.85% against 3.31% for SCHD.
Holdings Overlap
DTD and SCHD share 62 holdings out of 714 unique holdings combined, representing a 18.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in DTD | Weight in SCHD | Difference |
|---|---|---|---|
| CVX | 1.91% | 3.95% | 2.04% |
| MRK | 1.25% | 4.32% | 3.07% |
| PG | 1.22% | 4.15% | 2.93% |
| UNH | Pro | Pro | Pro |
| KO | Pro | Pro | Pro |
| AMGN | Pro | Pro | Pro |
| HD | Pro | Pro | Pro |
| ABT | Pro | Pro | Pro |
| VZ | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
See all 10 holdings DTD shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, DTD or SCHD?
DTD has an expense ratio of 0.28% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, DTD or SCHD?
Over the past year DTD returned +22.55% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), DTD annualized +7.57% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, DTD or SCHD?
DTD has been the more volatile fund at 14.7% annualized versus 13.6% for SCHD. Worst drawdown: DTD -60.2% vs SCHD -33.4%.
Should I hold both DTD and SCHD?
DTD and SCHD have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between DTD and SCHD?
DTD and SCHD share 62 common holdings with a 18.9% weight overlap. Combined, they hold 714 unique securities.
Which pays a higher dividend, DTD or SCHD?
DTD yields 1.85% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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