EMTL vs SCHD
EMTL vs SCHD
State Street DoubleLine Emerging Markets Fixed Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. EMTL offers more diversification with 114 holdings.
Side-by-Side Comparison
| Metric | EMTL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $67M | $103.7B | |
| Dividend Yield | 4.95% | 3.31% | |
| Holdings | 119 | 104 | |
| YTD Return | -1.71% | +24.08% | |
| 1Y Return | +1.23% | +31.88% | |
| 3Y Return (annualized) | +5.65% | +14.92% | |
| 5Y Return (annualized) | +1.03% | +9.85% | |
| Volatility (annualized) | 7.1% | 13.6% | |
| Max Drawdown | -22.9% | -33.4% | |
| Fund Family | State Street Investment Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Apr 13, 2016 | Oct 20, 2011 |
EMTL vs SCHD Performance
State Street DoubleLine Emerging Markets Fixed Income ETF (EMTL) is a ETF from State Street Investment Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EMTL returned +1.23% while SCHD returned +31.88%. Year to date, EMTL is down 1.71% versus a gain of 24.08% for SCHD.
Over three years, EMTL compounded at +5.65% per year against +14.92% for SCHD; over five years the annualized figures are +1.03% and +9.85% respectively. Across the full 10-year window we track, SCHD has the edge at +11.39% annualized vs +3.11%. 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 7.1% for EMTL. 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 -22.9% for EMTL 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EMTL charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, EMTL currently yields 4.95% against 3.31% for SCHD.
Holdings Overlap
EMTL and SCHD share 0 holdings out of 214 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, EMTL or SCHD?
EMTL has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, EMTL or SCHD?
Over the past year EMTL returned +1.23% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (10 years), EMTL annualized +3.11% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, EMTL or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.1% for EMTL. Worst drawdown: EMTL -22.9% vs SCHD -33.4%.
Should I hold both EMTL and SCHD?
EMTL and SCHD have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EMTL and SCHD?
EMTL and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 214 unique securities.
Which pays a higher dividend, EMTL or SCHD?
EMTL yields 4.95% while SCHD yields 3.31%, so EMTL currently pays the higher dividend yield.
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