NEAR vs SCHD
NEAR vs SCHD
iShares Short Duration Bond Active ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. NEAR offers more diversification with 580 holdings.
Side-by-Side Comparison
| Metric | NEAR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $4.8B | $103.7B | |
| Dividend Yield | 4.43% | 3.31% | |
| Holdings | 1,622 | 104 | |
| YTD Return | -1.30% | +24.08% | |
| 1Y Return | +0.09% | +31.88% | |
| 3Y Return (annualized) | +4.39% | +14.92% | |
| 5Y Return (annualized) | +3.32% | +9.85% | |
| Volatility (annualized) | 1.6% | 13.6% | |
| Max Drawdown | -9.6% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 25, 2013 | Oct 20, 2011 |
NEAR vs SCHD Performance
iShares Short Duration Bond Active ETF (NEAR) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year NEAR returned +0.09% while SCHD returned +31.88%. Year to date, NEAR is down 1.30% versus a gain of 24.08% for SCHD.
Over three years, NEAR compounded at +4.39% per year against +14.92% for SCHD; over five years the annualized figures are +3.32% and +9.85% respectively. Across the full 13-year window we track, SCHD has the edge at +11.39% annualized vs +2.19%. 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 1.6% for NEAR. 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 -9.6% for NEAR 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NEAR charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, NEAR currently yields 4.43% against 3.31% for SCHD.
Holdings Overlap
NEAR and SCHD share 0 holdings out of 680 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, NEAR or SCHD?
NEAR has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, NEAR or SCHD?
Over the past year NEAR returned +0.09% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), NEAR annualized +2.19% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, NEAR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.6% for NEAR. Worst drawdown: NEAR -9.6% vs SCHD -33.4%.
Should I hold both NEAR and SCHD?
NEAR and SCHD have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NEAR and SCHD?
NEAR and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 680 unique securities.
Which pays a higher dividend, NEAR or SCHD?
NEAR yields 4.43% while SCHD yields 3.31%, so NEAR currently pays the higher dividend yield.
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