SCHD vs SCHF
SCHD vs SCHF
Schwab US Dividend Equity ETF vs Schwab International Equity ETF
Quick Verdict
SCHF has a lower expense ratio. SCHF delivered stronger 1-year returns. SCHF offers more diversification with 1227 holdings.
Side-by-Side Comparison
| Metric | SCHD | SCHF | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.03% | |
| AUM | $103.7B | $66.3B | |
| Dividend Yield | 3.31% | 3.06% | |
| Holdings | 104 | 1,498 | |
| YTD Return | +23.31% | +15.80% | |
| 1Y Return | +30.42% | +31.66% | |
| 3Y Return (annualized) | +14.66% | +19.73% | |
| 5Y Return (annualized) | +9.59% | +10.25% | |
| Volatility (annualized) | 13.6% | 15.7% | |
| Max Drawdown | -33.4% | -38.6% | |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Nov 3, 2009 |
SCHD vs SCHF Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Schwab International Equity ETF (SCHF) is a ETF from Charles Schwab Asset Management. Over the past year SCHD returned +30.42% while SCHF returned +31.66%. Year to date, SCHD is up 23.31% versus a gain of 15.80% for SCHF.
Over three years, SCHD compounded at +14.66% per year against +19.73% for SCHF; over five years the annualized figures are +9.59% and +10.25% respectively. Across the full 15-year window we track, SCHD has the edge at +11.34% annualized vs +6.06%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHF has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 13.6% 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 -33.4% for SCHD and -38.6% for SCHF. 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while SCHF charges 0.03%. On a $10,000 position that is $6 vs $3 annually, a gap of $3 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 3.06% for SCHF.
Holdings Overlap
SCHD and SCHF share 1 holdings out of 1326 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in SCHF | Difference |
|---|---|---|---|
| GVMXX | 0.04% | 0.07% | 0.03% |
Frequently Asked Questions
Which is cheaper, SCHD or SCHF?
SCHD has an expense ratio of 0.06% while SCHF charges 0.03%. SCHF is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, SCHD or SCHF?
Over the past year SCHD returned +30.42% vs +31.66% for SCHF, so SCHF leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.34% vs +6.06% for SCHF. Past performance does not guarantee future results.
Which is riskier, SCHD or SCHF?
SCHF has been the more volatile fund at 15.7% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SCHF -38.6%.
Should I hold both SCHD and SCHF?
SCHD and SCHF have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SCHF?
SCHD and SCHF share 1 common holdings with a 0.0% weight overlap. Combined, they hold 1326 unique securities.
Which pays a higher dividend, SCHD or SCHF?
SCHD yields 3.31% while SCHF yields 3.06%, so SCHD currently pays the higher dividend yield.
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