HYUP vs SCHD
HYUP vs SCHD
Xtrackers High Beta High Yield Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. HYUP offers more diversification with 519 holdings.
Side-by-Side Comparison
| Metric | HYUP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.06% | |
| AUM | $45M | $103.7B | |
| Dividend Yield | 7.33% | 3.31% | |
| Holdings | 672 | 104 | |
| YTD Return | +2.01% | +23.31% | |
| 1Y Return | +5.04% | +30.42% | |
| 3Y Return (annualized) | +9.32% | +14.66% | |
| 5Y Return (annualized) | +4.30% | +9.59% | |
| Volatility (annualized) | 9.4% | 13.6% | |
| Max Drawdown | -26.5% | -33.4% | |
| Fund Family | Xtrackers ETFs | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 11, 2018 | Oct 20, 2011 |
HYUP vs SCHD Performance
Xtrackers High Beta High Yield Bond ETF (HYUP) 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 HYUP returned +5.04% while SCHD returned +30.42%. Year to date, HYUP is up 2.01% versus a gain of 23.31% for SCHD.
Over three years, HYUP compounded at +9.32% per year against +14.66% for SCHD; over five years the annualized figures are +4.30% and +9.59% respectively. Across the full 9-year window we track, SCHD has the edge at +11.34% annualized vs +2.36%. 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 9.4% for HYUP. 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 -26.5% for HYUP 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
HYUP charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, HYUP currently yields 7.33% against 3.31% for SCHD.
Holdings Overlap
HYUP and SCHD share 0 holdings out of 619 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, HYUP or SCHD?
HYUP has an expense ratio of 0.20% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $14 per year of difference.
Which performed better, HYUP or SCHD?
Over the past year HYUP returned +5.04% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), HYUP annualized +2.36% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, HYUP or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.4% for HYUP. Worst drawdown: HYUP -26.5% vs SCHD -33.4%.
Should I hold both HYUP and SCHD?
HYUP 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 HYUP and SCHD?
HYUP and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 619 unique securities.
Which pays a higher dividend, HYUP or SCHD?
HYUP yields 7.33% while SCHD yields 3.31%, so HYUP currently pays the higher dividend yield.
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