LTL vs SCHD
LTL vs SCHD
ProShares Ultra Communication Services 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 | LTL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.95% | 0.06% | |
| AUM | $6M | $103.7B | |
| Dividend Yield | 1.07% | 3.31% | |
| Holdings | 29 | 104 | |
| YTD Return | -17.28% | +22.69% | |
| 1Y Return | -4.17% | +30.94% | |
| 3Y Return (annualized) | +25.79% | +14.20% | |
| 5Y Return (annualized) | +14.31% | +9.59% | |
| Volatility (annualized) | 34.2% | 13.7% | |
| Max Drawdown | -80.7% | -33.4% | |
| Fund Family | ProShares | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Mar 25, 2008 | Oct 20, 2011 |
LTL vs SCHD Performance
ProShares Ultra Communication Services (LTL) is a ETF from ProShares and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LTL returned -4.17% while SCHD returned +30.94%. Year to date, LTL is down 17.28% versus a gain of 22.69% for SCHD.
Over three years, LTL compounded at +25.79% per year against +14.20% for SCHD; over five years the annualized figures are +14.31% and +9.59% respectively. Across the full 15-year window we track, SCHD has the edge at +11.31% annualized vs +5.48%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
LTL has been the more volatile fund, with annualized monthly volatility of 34.2% compared with 13.7% 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 -80.7% for LTL 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LTL charges 0.95% per year while SCHD charges 0.06%. On a $10,000 position that is $95 vs $6 annually, a gap of $89 per year that compounds over a long holding period. On income, LTL currently yields 1.07% against 3.31% for SCHD.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, LTL or SCHD?
LTL has an expense ratio of 0.95% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $89 per year of difference.
Which performed better, LTL or SCHD?
Over the past year LTL returned -4.17% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), LTL annualized +5.48% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, LTL or SCHD?
LTL has been the more volatile fund at 34.2% annualized versus 13.7% for SCHD. Worst drawdown: LTL -80.7% vs SCHD -33.4%.
Should I hold both LTL and SCHD?
LTL and SCHD have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LTL and SCHD?
LTL and SCHD share 2 common holdings with a 4.7% weight overlap. Combined, they hold 121 unique securities.
Which pays a higher dividend, LTL or SCHD?
LTL yields 1.07% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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