SCHD vs SEIM
SCHD vs SEIM
Schwab US Dividend Equity ETF vs SEI QiM US Large Cap Momentum Active 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 | SCHD | SEIM | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.15% | |
| AUM | $103.7B | $1.4B | |
| Dividend Yield | 3.31% | 0.40% | |
| Holdings | 104 | 69 | |
| YTD Return | +23.31% | +18.38% | |
| 1Y Return | +30.42% | +28.87% | |
| 3Y Return (annualized) | +14.66% | +28.52% | |
| 5Y Return (annualized) | +9.59% | - | |
| Volatility (annualized) | 13.6% | 18.1% | |
| Max Drawdown | -33.4% | -22.2% | |
| Fund Family | Charles Schwab Asset Management | SEI EXCHANGE TRADED FUNDS | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | May 18, 2022 |
SCHD vs SEIM Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and SEI QiM US Large Cap Momentum Active ETF (SEIM) is a ETF from SEI EXCHANGE TRADED FUNDS. Over the past year SCHD returned +30.42% while SEIM returned +28.87%. Year to date, SCHD is up 23.31% versus a gain of 18.38% for SEIM.
Over three years, SCHD compounded at +14.66% per year against +28.52% for SEIM. Across the full 4-year window we track, SEIM has the edge at +21.45% annualized vs +11.34%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SEIM has been the more volatile fund, with annualized monthly volatility of 18.1% 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 -22.2% for SEIM. 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SEIM charges 0.15%. On a $10,000 position that is $6 vs $15 annually, a gap of $9 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.40% for SEIM.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, SCHD or SEIM?
SCHD has an expense ratio of 0.06% while SEIM charges 0.15%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, SCHD or SEIM?
Over the past year SCHD returned +30.42% vs +28.87% for SEIM, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.34% vs +21.45% for SEIM. Past performance does not guarantee future results.
Which is riskier, SCHD or SEIM?
SEIM has been the more volatile fund at 18.1% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SEIM -22.2%.
Should I hold both SCHD and SEIM?
SCHD and SEIM have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SEIM?
SCHD and SEIM share 2 common holdings with a 0.8% weight overlap. Combined, they hold 172 unique securities.
Which pays a higher dividend, SCHD or SEIM?
SCHD yields 3.31% while SEIM yields 0.40%, so SCHD currently pays the higher dividend yield.
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