SCHD vs TDSB
SCHD vs TDSB
Schwab US Dividend Equity ETF vs ETC Cabana Target Beta 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 | TDSB | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.91% | |
| AUM | $103.7B | $49M | |
| Dividend Yield | 3.31% | 2.28% | |
| Holdings | 104 | 11 | |
| YTD Return | +23.31% | +4.18% | |
| 1Y Return | +30.42% | +11.71% | |
| 3Y Return (annualized) | +14.66% | +8.52% | |
| 5Y Return (annualized) | +9.59% | +1.41% | |
| Volatility (annualized) | 13.6% | 7.7% | |
| Max Drawdown | -33.4% | -19.6% | |
| Fund Family | Charles Schwab Asset Management | The Cabana Group, LLC | |
| Category | Equity | Allocation/Balanced | |
| Inception | Oct 20, 2011 | Sep 16, 2020 |
SCHD vs TDSB Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and ETC Cabana Target Beta ETF (TDSB) is a ETF from The Cabana Group, LLC. Over the past year SCHD returned +30.42% while TDSB returned +11.71%. Year to date, SCHD is up 23.31% versus a gain of 4.18% for TDSB.
Over three years, SCHD compounded at +14.66% per year against +8.52% for TDSB; over five years the annualized figures are +9.59% and +1.41% respectively. Across the full 6-year window we track, SCHD has the edge at +11.34% annualized vs +2.12%. 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 7.7% for TDSB. 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 -19.6% for TDSB. 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TDSB charges 0.91%. On a $10,000 position that is $6 vs $91 annually, a gap of $85 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.28% for TDSB.
Holdings Overlap
SCHD and TDSB share 0 holdings out of 110 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, SCHD or TDSB?
SCHD has an expense ratio of 0.06% while TDSB charges 0.91%. SCHD is the cheaper option. On a $10,000 investment, that is $85 per year of difference.
Which performed better, SCHD or TDSB?
Over the past year SCHD returned +30.42% vs +11.71% for TDSB, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +11.34% vs +2.12% for TDSB. Past performance does not guarantee future results.
Which is riskier, SCHD or TDSB?
SCHD has been the more volatile fund at 13.6% annualized versus 7.7% for TDSB. Worst drawdown: SCHD -33.4% vs TDSB -19.6%.
Should I hold both SCHD and TDSB?
SCHD and TDSB have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TDSB?
SCHD and TDSB share 0 common holdings with a 0.0% weight overlap. Combined, they hold 110 unique securities.
Which pays a higher dividend, SCHD or TDSB?
SCHD yields 3.31% while TDSB yields 2.28%, so SCHD currently pays the higher dividend yield.
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