OWNS vs SCHD
OWNS vs SCHD
CCM Affordable Housing MBS 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 | OWNS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $105M | $103.7B | |
| Dividend Yield | 4.31% | 3.31% | |
| Holdings | 237 | 104 | |
| YTD Return | +0.17% | +24.26% | |
| 1Y Return | +3.68% | +31.38% | |
| 3Y Return (annualized) | +4.19% | +15.08% | |
| 5Y Return (annualized) | +0.12% | +9.72% | |
| Volatility (annualized) | 6.7% | 13.6% | |
| Max Drawdown | -17.1% | -33.4% | |
| Fund Family | Impact shares | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jul 27, 2021 | Oct 20, 2011 |
OWNS vs SCHD Performance
CCM Affordable Housing MBS ETF (OWNS) is a ETF from Impact shares and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year OWNS returned +3.68% while SCHD returned +31.38%. Year to date, OWNS is up 0.17% versus a gain of 24.26% for SCHD.
Over three years, OWNS compounded at +4.19% per year against +15.08% for SCHD; over five years the annualized figures are +0.12% and +9.72% respectively. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +0.08%. 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 6.7% for OWNS. 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 -17.1% for OWNS 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
OWNS 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, OWNS currently yields 4.31% against 3.31% for SCHD.
Holdings Overlap
OWNS and SCHD share 0 holdings out of 111 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, OWNS or SCHD?
OWNS 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, OWNS or SCHD?
Over the past year OWNS returned +3.68% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), OWNS annualized +0.08% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, OWNS or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 6.7% for OWNS. Worst drawdown: OWNS -17.1% vs SCHD -33.4%.
Should I hold both OWNS and SCHD?
OWNS and SCHD have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between OWNS and SCHD?
OWNS and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 111 unique securities.
Which pays a higher dividend, OWNS or SCHD?
OWNS yields 4.31% while SCHD yields 3.31%, so OWNS currently pays the higher dividend yield.
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