HYRM vs SCHD
HYRM vs SCHD
Xtrackers Risk Managed USD High Yield Strategy ETF vs Schwab US Dividend Equity 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 | HYRM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $4M | $103.7B | |
| Dividend Yield | 6.36% | 3.31% | |
| Holdings | 2 | 104 | |
| YTD Return | +1.43% | +24.26% | |
| 1Y Return | +8.32% | +31.38% | |
| 3Y Return (annualized) | +7.86% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 8.1% | 13.6% | |
| Max Drawdown | -12.4% | -33.4% | |
| Fund Family | Xtrackers ETFs | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 10, 2022 | Oct 20, 2011 |
HYRM vs SCHD Performance
Xtrackers Risk Managed USD High Yield Strategy ETF (HYRM) is a ETF from Xtrackers ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year HYRM returned +8.32% while SCHD returned +31.38%. Year to date, HYRM is up 1.43% versus a gain of 24.26% for SCHD.
Over three years, HYRM compounded at +7.86% per year against +15.08% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.39% annualized vs +4.53%. 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 8.1% for HYRM. 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 -12.4% for HYRM 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HYRM charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, HYRM currently yields 6.36% against 3.31% for SCHD.
Holdings Overlap
HYRM and SCHD share 0 holdings out of 102 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, HYRM or SCHD?
HYRM has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, HYRM or SCHD?
Over the past year HYRM returned +8.32% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), HYRM annualized +4.53% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, HYRM or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.1% for HYRM. Worst drawdown: HYRM -12.4% vs SCHD -33.4%.
Should I hold both HYRM and SCHD?
HYRM and SCHD have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HYRM and SCHD?
HYRM and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, HYRM or SCHD?
HYRM yields 6.36% while SCHD yields 3.31%, so HYRM currently pays the higher dividend yield.
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