SCHD vs SWTSX
SCHD vs SWTSX
Schwab US Dividend Equity ETF vs Schwab Total Stock Market Index Fund
Quick Verdict
SWTSX has a lower expense ratio. SCHD delivered stronger 1-year returns. SWTSX offers more diversification with 2963 holdings.
Side-by-Side Comparison
| Metric | SCHD | SWTSX | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.03% | |
| AUM | $103.7B | $43.8B | |
| Dividend Yield | 3.31% | 0.99% | |
| Holdings | 104 | 2,987 | |
| YTD Return | +23.31% | +13.87% | |
| 1Y Return | +30.42% | -82.49% | |
| 3Y Return (annualized) | +14.66% | -37.47% | |
| 5Y Return (annualized) | +9.59% | -24.98% | |
| Volatility (annualized) | 13.6% | 41.7% | |
| Max Drawdown | -33.4% | -86.0% | |
| Fund Family | Charles Schwab Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jun 1, 1999 |
SCHD vs SWTSX Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Schwab Total Stock Market Index Fund (SWTSX) is a mutual fund from Charles Schwab Asset Management. Over the past year SCHD returned +30.42% while SWTSX returned -82.49%. Year to date, SCHD is up 23.31% versus a gain of 13.87% for SWTSX.
Over three years, SCHD compounded at +14.66% per year against -37.47% for SWTSX; over five years the annualized figures are +9.59% and -24.98% respectively. Across the full 5-year window we track, SCHD has the edge at +11.34% annualized vs -24.98%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SWTSX has been the more volatile fund, with annualized monthly volatility of 41.7% 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 -86.0% for SWTSX. 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 0.13. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SWTSX 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 0.99% for SWTSX.
Holdings Overlap
SCHD and SWTSX share 97 holdings out of 2966 unique holdings combined, representing a 7.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in SWTSX | Difference |
|---|---|---|---|
| UNH | 4.54% | 0.39% | 4.15% |
| ABT | 4.49% | 0.28% | 4.21% |
| MRK | 4.32% | 0.41% | 3.91% |
| HD | Pro | Pro | Pro |
| PG | Pro | Pro | Pro |
| AMGN | Pro | Pro | Pro |
| KO | Pro | Pro | Pro |
| CVX | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
| TXN | Pro | Pro | Pro |
See all 10 holdings SCHD shares with SWTSX Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, SCHD or SWTSX?
SCHD has an expense ratio of 0.06% while SWTSX charges 0.03%. SWTSX is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, SCHD or SWTSX?
Over the past year SCHD returned +30.42% vs -82.49% for SWTSX, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.34% vs -24.98% for SWTSX. Past performance does not guarantee future results.
Which is riskier, SCHD or SWTSX?
SWTSX has been the more volatile fund at 41.7% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SWTSX -86.0%.
Should I hold both SCHD and SWTSX?
SCHD and SWTSX have a monthly-return correlation of 0.13, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SWTSX?
SCHD and SWTSX share 97 common holdings with a 7.1% weight overlap. Combined, they hold 2966 unique securities.
Which pays a higher dividend, SCHD or SWTSX?
SCHD yields 3.31% while SWTSX yields 0.99%, so SCHD currently pays the higher dividend yield.
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