SCHD vs TDSC
SCHD vs TDSC
Schwab US Dividend Equity ETF vs ETC Cabana Target Drawdown 10 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 | TDSC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.90% | |
| AUM | $103.7B | $101M | |
| Dividend Yield | 3.31% | 1.61% | |
| Holdings | 104 | 11 | |
| YTD Return | +24.26% | +11.76% | |
| 1Y Return | +31.38% | +17.49% | |
| 3Y Return (annualized) | +15.08% | +10.74% | |
| 5Y Return (annualized) | +9.72% | +2.82% | |
| Volatility (annualized) | 13.6% | 9.5% | |
| Max Drawdown | -33.4% | -21.5% | |
| Fund Family | Charles Schwab Asset Management | The Cabana Group, LLC | |
| Category | Equity | Allocation/Balanced | |
| Inception | Oct 20, 2011 | Sep 16, 2020 |
SCHD vs TDSC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and ETC Cabana Target Drawdown 10 ETF (TDSC) is a ETF from The Cabana Group, LLC. Over the past year SCHD returned +31.38% while TDSC returned +17.49%. Year to date, SCHD is up 24.26% versus a gain of 11.76% for TDSC.
Over three years, SCHD compounded at +15.08% per year against +10.74% for TDSC; over five years the annualized figures are +9.72% and +2.82% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +4.05%. 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 9.5% for TDSC. 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 -21.5% for TDSC. 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TDSC charges 0.90%. On a $10,000 position that is $6 vs $90 annually, a gap of $84 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 1.61% for TDSC.
Holdings Overlap
SCHD and TDSC 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 TDSC?
SCHD has an expense ratio of 0.06% while TDSC charges 0.90%. SCHD is the cheaper option. On a $10,000 investment, that is $84 per year of difference.
Which performed better, SCHD or TDSC?
Over the past year SCHD returned +31.38% vs +17.49% for TDSC, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +11.39% vs +4.05% for TDSC. Past performance does not guarantee future results.
Which is riskier, SCHD or TDSC?
SCHD has been the more volatile fund at 13.6% annualized versus 9.5% for TDSC. Worst drawdown: SCHD -33.4% vs TDSC -21.5%.
Should I hold both SCHD and TDSC?
SCHD and TDSC have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TDSC?
SCHD and TDSC share 0 common holdings with a 0.0% weight overlap. Combined, they hold 110 unique securities.
Which pays a higher dividend, SCHD or TDSC?
SCHD yields 3.31% while TDSC yields 1.61%, so SCHD currently pays the higher dividend yield.
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